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Negotiation Tactics For Settling An Insurance Claim


If you’ve been injured and have filed a claim, your insurance company will try to get around paying you the full amount you are owed. So you will need to be prepared to negotiate a fair settlement with your insurance company. This can be difficult since insurance companies use a variety of tactics to get out of paying the money they owe, so it is important to go into the negotiations prepared so that you don’t end up with a lower settlement than you deserve. So here are some tactics you can use when negotiating with your insurance company.

Initiate A Claim Immediately

As soon as you can after an accident or at the first sign of injury, file a claim. If you file a claim right away it will be easier to link the accident to the injury. It is also important to file right away so that you can recall details of the accident, make accurate records of the accident and injury, and get all the important documentation needed to prove your claim.

Determine The Value Of Your Claim

Before entering negotiations you should decide the value of your claim. Start by considering the actual costs of your injuries, things that you can prove with documentation. Figure out the value of your medical bills, lost wages, emotional damage, and property damage. The total cost of these items should be the baseline figure you are willing to accept. Do not share this information with the insurance company, instead let them make the first offer.

Never Accept The First Offer

The first offer the insurance company will make is going to be their lowball offer, so you should never accept this initial offer. Even if they make a fair offer that is close to the figure you had in mind, don’t just immediately accept it. The insurance company will always make their first offer very low as a bargaining tactic, so you may be able to get a higher settlement than they offer. Instead, tell them you will take the offer into consideration.

Weigh The Value Of The Offer

Once you have the first offer from the insurance company, you need to weigh the value of the offer. If the offer is reasonable, you can make a fair counteroffer and see if they will take it. If the offer is unreasonable, make the insurance adjuster justify why they are offering such a low offer. If they refuse to explain their offer or show you the documentation behind why they are offering you such a low figure, they are negotiating in bad faith and you will need to make a complaint against them.

Make A Counteroffer

Once you have received the insurance company’s first offer, you should then make a counteroffer. When you make a counteroffer be sure to focus on just the facts of the claim. Focus on the things that you can prove, but also make a case for why the money is necessary for your life. Do not be afraid to express how the injury has negatively impacted your life beyond just the pain. If the insurance company accepts your counteroffer, make sure to get it in writing as proof of your settlement.

Hire An Attorney

Even with these tactics, negotiating with an insurance company is not easy. Insurance companies do not have your best interests in mind and are mostly just interested in protecting their bottom line. So if your negotiations are not going well or your insurance company refuses to pay you a fair settlement, you need to hire a personal injury attorney. Our attorneys at , Goldman, Babboni, & Walsh have 100 years of cumulative experience negotiating settlements for Florida residents. We know exactly how to get an insurance company to pay what they owe and can help you get the fair compensation you deserve. So if you are negotiating with an insurance company, contact us today to find out what having a great attorney on your side can do for you!

During his time as a public attorney for the State of Florida, Bernard Walsh developed a passion for defending the legal rights of Florida's citizens. Having seen many people being taken advantage of after being injured and the financial harm that can cause for families he committed himself fully to helping injured clients get justice, by fighting to make greedy insurance companies pay what they owe.

Negotiation Tactics For Settling An Insurance Claim

Goldman Babboni Fernandez
Murphy & Walsh




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