Personal injury claimMadison, AL- Most Americans will have the misfortune of being in a car accident at least once in their lives. If you are lucky your accident will only be a minor one that can be settled quickly and the matter can be put behind you pretty quickly. However, many car accidents result in debilitating injuries or death so the victims need to understand how the settlement negotiation process in Alabama works,
The first thing you need to know is that if you plan on pursing a personal injury settlement in Alabama, you need to do so in a timely fashion. Alabama, like most states, sets a time limit on when a person can seek damages from an at-fault party called a statute of limitations. The statute of limitations in Alabama is two years. You must file your injury claim within that time period otherwise your claim will be dismissed and you won’t be able to recover any of the money you deserve for your injuries.
When you have recovered from your injuries, you need to gather all the pertinent documents, including medical records and bills, accident reports, and any other evidence you have gathered. Once you have these documents, you should send or have your Alabama personal injury attorney send a demand letter to the at-fault driver’s insurance company. This begins the negotiation process.
Make certain before you enter into negotiations, you have all your evidence and are willing to present that during negotiations. The state of Alabama is one of only a handful that has “contributory negligence” rules, which prohibits a person from collecting an injury settlement if they are partially to blame for an accident.
If your case goes to court, and a jury finds that you were in any way responsible for an accident, you won’t be able to recover any damages, even if the other party was 95 percent to blame for your injuries. This is one of the primary reasons you need to consult with an accident attorney in Alabama so they can help you decide whether or not to take your case to court.
It is likely that during settlement negotiations, an insurance company will bring up “contributory negligence” so you need to have all your evidence with you and are prepared to show that you played no role in the accident.
When it comes to accident settlements, one of the more common questions: How much do I ask for during negotiations?
How much you ask for really depends on the extent of your injuries and the other costs you have incurred as a result. Say, for example, your incurred $12,000 in costs because of your accident; is that all you ask for?
No, you should ask for more. Our accident attorneys suggest that you ask for anywhere between 25 percent to a 100 percent more than you are seeking. Because you are negotiating with an insurance company, they are going to offer you less than you are seeking. If you start your negotiations with a high number, it gives you a better chance of getting the amount of compensation you truly need to cover your expenses.
And remember, settlement negotiations can go one for a while. There are rare occasions that you and insurer can come to an agreement in your first meeting. But it is more likely that you will have to present and reject offers several times before you get the insurance company’s best settlement offer.
Settlement negotiations can be tricky and if you don’t play your cards right, you could be shortchanged. The best way to assure this doesn’t happen is to enlist a Madison accident attorney to work on your case and represent you when you meet with an insurance company.

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