How to Negotiate an Injury Claim with USAA After a Car Accident | Boulder Injury Lawyers
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According to the United States Census the population in Boulder, Colorado, is over 320,000 as of July 2017. With the amount of cars and bicyclists on the road, there is a chance that you may be involved in a car accident.
Car accidents can cause serious and sometimes permanent injuries, resulting in thousands of dollars in out-of-pocket expenses. If you are injured in a car accident, negotiating with an insurance company may be your best chance to recover damages. Understanding how to negotiate an injury claim will assist you in strategic decision-making along the way.
United Services Automobile Association (USAA) provides insurance, banking, and other financial services to over 11 million members, and it is especially known for serving military members and their families. Similar to other insurance companies, they function to make a profit and will be tough negotiators.
Value of Your Claim and Liability
After a car accident, you will want to determine how much your claim is worth. This will be beneficial for both crafting a demand letter and for giving you an idea of how much you are willing to take in a settlement. The value of your claim will depend on a variety of factors such as medical expenses and severity of your injuries.
If you were partially liable for the accident, this will also affect the value of your claim. Colorado follows a modified comparative negligence approach. This means if you are 50 percent or more at fault for the accident, you will not be able to recover from the other driver. USAA may not be willing to settle until liability is conclusively determined.
Making a Demand and Negotiating
Once you understand how much your claim is worth, it is time to make a demand. Your demand letter should include the amount of damages you are seeking from USAA in addition to an explanation of what happened.
USAA, like other insurance companies, will try to diminish the value of your claim in order to avoid paying the full amount. Be aware of what you admit to USAA, as they will use your own words against you. Stick to the facts and discuss any pain and suffering which has resulted from the accident.
Keep All Records
Keep a record of anything that relates to the car accident. From medical bills and follow-up doctor visits to photographs from the scene. All of this information will be critical to the success of your claim.
Records back up your claim by providing proof of injury, out-of-pocket expenses, and potential liability. If you choose to pursue a lawsuit, these records will be a good starting point for building your case. Documents and photographs will substantiate your allegations for the judge or jury.
Get Help from Our Boulder Car Accident Lawyers
At Zinda Law Group, our Boulder car accident attorneys have helped thousands of people negotiate injury claims with USAA and other insurance companies. We have the knowledge and resources necessary to help you seek maximum compensation for your damages.
Our firm also believes that a car accident victim should never have to worry about the 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 someone you love has been injured in a car accident, call Zinda Law Group at (800) 863-5312 to receive your free consultation with our Boulder car accident attorneys.
Meetings with attorneys are available by appointment only.