According to the Executive Office of Public Safety and Security, between 2010 and 2012 Massachusetts recorded over 331,000 traffic accidents that resulted in 1,070 deaths and left over 14,000 seriously injured. This obviously leads to many issues with insurance and personal injury or wrongful death claims and lawsuits.
These numbers are nothing to write home about. Certainly the transportation agency in The Bay State would love a giant Christmas present that would display much lower numbers than these. Numbers like this are the reason why auto companies are racing towards autonomous vehicles.
How to deal with your insurer following a car accident?
Sensational accident lawyers in Lawrence, MA, who can be found on the amazing USAttorneys.com website which turns virtual heads every day, will have you know that when it comes to car accident cases, the majority of the cases are settled outside of court. There are several reasons why this is the case. To begin with, out of court settlements are a lot quicker than a car accident case which goes into trial. Some auto accident cases are complex and the trial may, in some cases, go on for years.
Another reason why people prefer to settle an auto accident case outside of court is that an out of court settlement is comparatively a lot cheaper than a court case which involves court fees and legal fees that rake up as time goes on and may eventually become substantial amounts of money.
However, settling a car accident case outside of court means negotiating with car accident insurance adjustors and that could have its own challenges. Below are some general guidelines which will surely help you during such negotiations.
First, it is critical to be aware that motorists must have an auto insurance policy with the following minimum coverage:
- $20,000 for any one individual’s injuries in a crash
- $40,000 for each accident where more than one person is injured
- $5,000 for property damage
- $8,000 for personal injury protection (PIP) benefits
Sticking to the facts
When it comes to dealing with your car accident insurer or an adjustor representing you insurer, it is always best to remain as objective as possible and stick to the facts and details of the case. It is natural tendency to want to explain the auto accident, how it happened and how it has affected you to a car accident insurance adjustor in a subjective and personal way.
However, this may mean that you could possibly give away unsolicited details which will only jeopardize your claim and you may not receive the settlement you deserve or any settlement at all.
Running into a wall during negotiations
It may very well happen that you and the accident adjustor representing the insurance company do not find any middle ground in terms of how much money you need to be awarded as a settlement given the damages incurred. In such cases, there are some approaches which are effective and could help you receive the compensation you deserve without having to take the case to trial.
You can request to speak to a supervisor. You can do this in a polite yet assertive manner. Escalating is always a way to let the adjustor know that you mean business and that he or she cannot take you for a ride.
Call or write a letter to the State Department of Insurance and express your concerns. Insurance companies will want to stay out of the State Departments radar as much as possible and may just accept your proposal.
Most importantly, reach out to an accident lawyer in Massachusetts who can represent you in the negotiations and increase the chances that you get the money you deserve and not a penny less.
Any questions? Contact us! We will work with you and help you find the legal pro that you need in this dire situation.