How to Settle Auto Insurance Claims
If you have been in an auto accident that has resulted in damage to your vehicle or injury to yourself, you will have to file a claim with an auto insurance company. After you file your claim, you must wait until you get an offer to settle with the insurance company. Once you get the first offer, you have a couple of different options. You can accept it and settle, or you can negotiate with the insurance company until you come to an agreement. If you have settlement problems, you may need an attorney.
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Instructions
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Provide the insurance adjuster with any requested documents pertaining to your claim. If you are submitting a physician's notes, be sure they are detailed.
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Wait for the insurance adjuster to make a settlement offer. A settlement amount is typically offered quickly after you provide the requested documents.
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Write a demand letter to the insurance adjuster if you feel the settlement amount is too low. You can get a lawyer to help you write the letter if you want legal representation. The letter should include your proposed settlement amount. Explain your reasons and include any documentation to back up your claims.
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Review the counteroffer the insurance adjuster will send after getting your demand letter. If you are think the offer is fair, you can accept it and settle the claim.
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Request mediation or other alternative dispute resolution if you are having problems settling with the insurance adjuster. Make your request through the insurance adjuster. You also can consult an attorney specializing in auto accidents to assist you in seeking a settlement.
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