Questions to Ask Insurance Companies After a Crash
Dealing with the aftermath of a car crash is daunting. Whether it’s coping with long-term physical injuries or dealing with financial difficulties, victims are forced into difficult situations in order to pick up the pieces following an injurious car accident. Negotiating with insurance companies can arguably be the most difficult part of a serious car accident.
Some insurance companies may fight an injury claim after your collision, despite the fact that injuries can still occur in less serious wrecks, according to the data on car wrecks in Arizona. That’s why it’s important to know how to negotiate with insurers in the aftermath of a crash.
If you’ve sustained injuries in a car accident in Arizona and want to file a claim, contact the Phoenix car accident lawyers at ELG. Our team of auto accident lawyers is here to help you safeguard your legal rights and negotiate with insurance companies after an accident.
How Much Coverage Do I Need?
There are a number of auto insurance forms and not all of them are mandatory. Some are even voluntary. For example, insurance requirements in Arizona include a minimum of $15,000 per person OR $30,000 per accident in bodily injury.
This sounds pretty generous and reasonable. Except when you find yourself in an accident where the damages are much higher. This can impact your financial health because you will have to pay for the extra costs out of your own pocket. So that’s why we highly recommend that you maintain a higher level of protection with your auto insurance so that you are sure that you have sufficient coverage. These voluntary coverages include:
UIM or Uninsured or Underinsured Motorist coverage: If you’re in a car accident and the person responsible flees the scene or is underinsured or uninsured, you will be left without any recourse.
Comprehensive coverage: This type of coverage is great if you want to protect yourself against damages from vandalism or car theft, basically from things that are out of your control.
In order to make sure that both you and your loved ones are protected, increase your coverage.
Contact Your Lawyer to Plan Your Settlement
Before you speak with an insurance company, decide on a minimum settlement figure that you will accept. Tell your lawyer your desired figure, but remember that this is for your own use. Don’t use this information as an initial demand figure, and don’t reveal the figure to the adjuster.
Make sure all settlement offers and counteroffers are in writing. Once an agreement is reached, ensure the settlement offer is also in writing. The settlement offer, written by either you, your attorney, or the insurance company, should include everything. It should state the settlement amount, the damages covered, and the date that the payment will be made.
Vehicle Accident Lawyer in Phoenix
The best way to ensure your accident claim is successful is to consult with a well-versed Phoenix-based lawyer after an accident. Your lawyer will help you organize the facts of your case and act as a liaison to insurance companies. Collaborating with your attorney on these issues will help make your recovery process smooth and stress-free after an accident.
Contact our Phoenix injury lawyers at ELG today at (623) 877-3600 for a free, no-hassle consultation.
