Anyone that has been injured in an accident has the right to seek compensation. In other words, the claimant hopes to receive a fair compensation. On the other hand, the insurance company hopes to be making the smallest possible payout. That combination of factors shapes the size of the eventual settlement.
Working with a lawyer, the claimant needs to compose a demand letter.
That letter should state the time and place of the reported accident. It should also offer details on the claimant’s injuries. In addition, the demand letter ought to include the amount of money requested by the letter’s composer (the claimant).
Guidelines for claimants that must negotiate with an adjuster
Do not accept the adjuster’s first offer.
Seek an explanation for any ridiculously low offer.
Focus on the emotional issues that help to support your claim: Consider including a photograph of any damaged property, or of any injuries, in your demand letter. If you have lost the ability to take part in a favored sport, of to enjoy a loved hobby, make mention of that fact. If you struggle to offer your family the services that they are used to, mention that, as well.
Exercise patience; do not expect a quick answer to any inquiry. Yet be persistent. Ask for a date when an answer might be available. On that same date, call the insurance company, and ask to speak with the adjuster.
Challenges that would indicate your need for a lawyer’s assistance:
The insurance company has questioned the allegation that another party caused the accident, or caused you to become injured. It is hard to fight an insurance company without an attorney’s assistance.
You have suffered a serious, possibly catastrophic injury. You are in great pain, but there is no machine that can measure your pain. The availability of a personal injury lawyer in Waukegan could prove helpful. You could record the times that you experienced a painful sensation. Write down when that happened, and how long that sensation lasted.
The insurance company has insisted that you should have been using some type of protective device, because you have a pre-existing condition. The suggested device is not some recognized product, such as the helmet that is worn by a motorcycle rider.
You anticipate the need to cover more medical costs in the future. Each of those would arise from the fact that you would have received some type of treatment that requires occasional fixes.
For instance, if you had injured your head, and had developed hydrocephalus, you might have received a ventricular shunt. That shunt might become infected, meaning that it would have to be replaced. In order to ensure its replacement, a surgeon would need to carry out another operation.