How to Negotiate a Car Accident Injury Settlement with Allstate Insurance | Boulder Injury Lawyers
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If you have recently been in a car accident, you may be thinking of filing a car accident claim with Allstate Insurance. Allstate is worth billions of dollars, and it didn’t become the insurance giant it is today by offering high settlement offers to claimants.
Trying to reach an acceptable agreement with Allstate after an accident may be especially difficult if you have little experience with negotiation. However, there are ways that you can put yourself in a better negotiating position even as an individual.
If you or a loved one is dealing with Allstate Insurance after being injured in a wreck, call Zinda Law Group at (800) 863-5312 for a 100% free case evaluation with our Boulder car accident attorneys.
How to Start Your Auto Claim with Allstate
Successfully negotiating an insurance claim will require a lot of time and effort. After filing a claim, it will be important to identify all the evidence you have at your disposal. Having eyewitness reports, police reports, medical records, the at-fault party’s insurance information, and other key evidence will be an indispensable help to you throughout the negotiation process.
The first way that this evidence will help you is in the determination of the value of your claim. Consider your damages, both current and future. Have you had medical treatment in the past for your injuries? Will you need medical treatment in the future because of your injuries? What damage was done to your property? Any evidence that you have about the costs you’ve incurred will help you reach an accurate number.
Other damages to consider include any lost wages or earning potential, and any pain and suffering you’ve experienced. It may be difficult to put a number on the pain and suffering you’ve gone through. However, most courts use pain and suffering as a multiplier for the damages. If you feel you’ve suffered greatly, choose a high number between 1 and 10 and multiply your total damages by it. If you feel your suffering was not as severe, choose a lower number. Most of us tend to overestimate the value of our pain and suffering, so err on the side of a lower number when choosing this value.
Once you have the value of your claim determined, send this number to Allstate. Be sure to include a detailed explanation for how you arrived at the figure provided.
What Happens When I Receive an Offer?
Allstate’s first offer to you will likely be incredibly low. The company has reportedly encouraged its employees to get rid of claims quickly and cheaply, and once even offered a measly $50 to a car accident victim who filed a claim. However, it may be possible that they will present you with an amount that will cover all of your needs.
It will be up to you to determine whether the first offer is sufficient. However, be sure to consider all of your needs when coming to this decision. Injuries stemming from car accidents can require years of medical treatment, and some injuries may not even present themselves until years after the accident.
If you decide to reject Allstate’s initial offer, be prepared for a lengthy negotiation process. It may be useful to come up with a number that does not encompass all of your expenses but is something you would accept before getting too entrenched in the back and forth discussions that may take place.
Our Boulder Auto Accident Lawyers Will Fight Allstate for You
At Zinda Law Group, our Boulder car accident attorneys have helped thousands of crash victims get their lives back on track after suffering an injury. We have the knowledge and resources necessary to help you seek maximum compensation for medical bills, lost income, property damage, pain and suffering, and all the other ways your injury has cost you.
Our firm also believes that a car accident victim should never have to worry about their ability to afford excellent legal representation. That is why we offer 100% free consultations, and why you will pay nothing unless we achieve a favorable settlement, judgment, or verdict for your personal injury case. That’s our No Fee Guarantee.
If you or a loved one has been injured in a wreck, call Zinda Law Group at (800) 863-5312 to receive your free consultation with our Boulder car accident lawyers.
Meetings with attorneys are available by appointment only.