Each step taken by those claimants that have chosen to invest time in pre-settlement negotiations helps them to get ready for a bargaining process.
First collect the relevant documents and other evidence
• Get a copy of the police report or accident report
• Collect all medical bills
• Get copies of the medical records from the treating physician
• Have photographs ready to use as evidence
-Photographs of injuries and property damage
– Photographs taken of evidentiary material at scene of accident
• Prepare any other evidence, such as an imprint of a tire track
Investigate the value of claim
This allows claimant to compose a more-convincing demand letter.
The claim letter must provide details on the events that caused the reported injury, and also on the nature and extent of that particular injury. It is important that the claimants that live in a no-fault state should explain why they have chosen to file a claim.
The demand should be high enough to allow plenty of room for the changes that are sure to result from the bids made during the negotiations. There should be another figure that supplements the amount demanded. That should be in the claimant’s mind.
Injury lawyer in Mount Prospect knows that the claimant’s mind should hold the monetary value of the lowest acceptable offer that the other side could possibly make. If the first offer comes close to that supplementary and unstated figure, then the claimant would need to increase the size of that lowest acceptable amount for an offer, one that could lead to a settlement.
Expectations of prepared claimants
• Understand that the insurance company could take issue with the scope of the policy’s coverage
• Appreciate the fact that the insurance company might question the severity of the claimed injuries.
• It is also possible that the insurance adjuster might cast doubt on the allegations in the demand letter, regarding who should be declared at-fault. Realize that the adjuster casting doubt on those allegations might not be the one in the defendant’s insurance company. If you had filed a 1stparty claim, it could be someone that had been hired by your own insurer.
• Expect to receive phone calls from the adjuster
Necessary preparations for expected phone calls
No one that has submitted a personal injury claim should count on his or her ability to remember what has been heard or said during any given phone call. Instead, that same claimant ought to have pencil and paper close to the phone, so that it should be possible to take notes.
If the adjuster has been provided with a cell phone number, then the claimant’s outfit ought to be equipped for carrying a pad and pencil. That action cancels out the adjuster’s perceived advantage—that of having an office with a desk and telephone.