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Car Accident Advice For UCF Students
After an accident on Alafaya Trail driving home from a UCF event, Kimberly a sophomore at the University of Central Florida (UCF), was hit from behind at a stop light. She shared with us how she found a silver lining from her terrifying ordeal.
1. Have a Settlement Amount in Mind
In putting together your settlement demand letter, you figured out a range of what you believe your claim is worth. Before you speak to an adjuster about your demand, decide on a minimum settlement figure within that range that you would accept. This figure is for your own information, not some¬thing you would reveal to the adjuster. But once the figures and discussions start going back and forth, it helps if you already have your bottom line in mind. That way, you don’t have to make a snap decision if an adjuster makes you a take-it-or-leave-it offer on the phone. You will know whether it meets your minimum level or not.
However, you do not have to cling to the figure you originally set for yourself. If an adjuster points out some facts you had not considered but which clearly make your claim weaker, you may have to lower your minimum figure somewhat. And if the adjuster starts with a low settlement offer or a number at or near your minimum -- or if you discover evidence that makes your claim stronger -- you may want to revise your minimum upward.
2. Do Not Jump at a First Offer
It is standard practice for insurance adjusters to begin negotiations by first offering a very low settlement amount or, sometimes, denying liability altogether.
With this tactic, the adjuster is trying to find out whether you understand what your claim is worth and to see if you are so impatient to get some money that you will take any amount.
When a first offer is made, your response should depend on whether it is a reasonable offer but too low or whether it is so low that it is just a tactic to see if you know what you are doing.
If the offer is reasonable, you can immediately make a counteroffer that is a little bit lower than your demand letter amount. That shows the adjuster that you, too, are being reasonable and are willing to com¬promise. A little more bargaining should quickly get you to a final settlement amount you both think is fair.
In these negotiations, don’t bother to go over all the facts again. Just emphasize the strongest points in your favor -- for example, that the insured was completely at fault.
Kristen, a UCF student, was also involved in a car accident. She felt she needed to get checked after she was involved in a relatively minor collision. She's glad she did, hear her story and why it's important to get checked soon after a car accident.
3. Get the Adjuster to Justify a Low Offer
If in your first conversation, the adjuster makes an offer so low that it is obviously just a negotiating tactic to see if you know what your claim is really worth, do not immediately lower the amount you put in your demand letter. Instead, ask the adjuster to give you the specific reasons why the offer is so low.
Make notes of the conversation. Then write a brief letter responding to each of the factors the adjuster has mentioned. Depending on the strength of any of the adjuster’s reasons, you can lower your demand slightly, but before lowering your demand very far, wait to see whether the adjuster will budge after receiving your reply letter.
The next time you speak with the adjuster, begin by asking for a response to your reply letter. The adjuster should now make you a reasonable offer upon which you will be able to bargain and arrive at a fair final settlement figure.
4. Emphasize Emotional Points in Your Favor
During negotiations, mention any emotional points supporting your claim. If, for example, you have sent the adjuster a particularly strong photo of a smashed car or a severe-looking injury, refer to it.
If there was a bottle of beer found in the other party’s car, refer again to the possibility of alcohol use. If similar accidents had occurred in a similar way at that location, remind the adjuster. If your injury interfered with your ability to care for your child, mention that your child suffered as a result. Even though there is no way to put a dollar value on these factors, they can be very powerful in getting an insurance company to settle an accident claim.
5. Wait for a Response
Do not reduce your demand more than once until you have a new offer from the adjuster. Never reduce your demand twice without an intervening increased offer from the adjuster; it’s simply not good bargaining.
If the adjuster comes up with more reasons for a low offer, go over each one. Once you have dealt with all the adjuster’s arguments, you will either get a reasonable offer, or you will have found out that no reasonable offer is coming and you will have to try to put some additional pressure on the insurance company.
6. Know When To Engage an Attorney
If at some point you feel negotiations are not going as you'd hoped, you may consider talking to a lawyer. An attorney should be consulted when any of the following are true:
You are demanding compensation for serious injuries and pain and suffering beyond a few thousand dollars. An insurance adjuster is unlikely to take an unrepresented claimant seriously -- and offer a fair settlement -- when the damages are in the tens of thousands of dollars or more.
You are seeking future damages. If you are claiming for future damages -- lost future income or costs of medical treatment you'll need later -- you may want an attorney to work that into a settlement effectively.
There is a question of fault. If there is some question of the validity of your claim of fault, you may need an attorney to properly craft your argument.
7. Put the Settlement in Writing
When you and the adjuster finally agree on a number, immediately confirm the agreement in a letter to the adjuster. The letter can be short and sweet.
8. Get checked by an Expert*
Before making any decisions about your personal injury case on your own, first make sure you have been evaluated by an expert physician trained in personal injury care. Cases that involve insurance carriers need a higher level of documentation and objective assessment.
Affinity Health & Wellness Center provides expert treatment and evaluation for patients and expert testimony for your attorney. We utilize physical therapy, rehab, chiropractic and medical professionals.
Call for an appointment today 407-381-4040!
(or email us email@example.com )
We are located two miles south of the University Central Florida.