When you’ve been injured in an accident, the last thing you want to worry about is how you’ll pay for mounting medical bills. Because of the accident, it may be harder for you to make ends meet while you’re unable to work. Unfortunately, insurance companies are often more interested in protecting their bottom line than ensuring you receive the compensation you deserve. Confused on how to get more money from insurance claim? At Gatti, Keltner, Bienvenu & Montesi, PLC, we’ve been fighting for the rights of accident victims in the Memphis Tri-State Area for over 50 years. This includes maximizing your insurance claim and securing the financial recovery you need to move forward.
Maximize Your Insurance Claim by Documenting Everything
One of the most critical steps in getting more money from your insurance claim is documenting everything related to your accident and injuries. This includes:
- Taking photos of the accident scene, property damage, and any visible injuries
- Getting contact information for any witnesses who saw the accident happen
- Requesting copies of official accident reports, such as police reports or workplace incident reports
- Keeping a detailed journal of your symptoms, doctor’s appointments, and how your injuries have impacted your daily life
- Saving all medical bills, receipts for out-of-pocket expenses, and pay stubs or other documentation of missed work and lost wages
The more evidence you have to support your claim, the stronger your case will be. But gathering evidence of all this paperwork can be difficult to handle when trying to get better.
Strategies to Increase Your Insurance Payout
When you file a claim, the insurance company will typically assign an insurance adjuster to your case. The adjuster’s job is to investigate the accident and determine how much the insurance company should pay out on your claim. However, it’s important to remember that insurance companies are for-profit businesses. They’re not in the business of paying out large settlements amounts unless they have to. As a result, adjusters often make low initial settlement offers in the hopes that claimants will accept them and go away.
If an insurance company offers you a settlement, don’t take it without understanding your rights and the total value of your claim. Hire an attorney that can look over on the insurance coverage you have paid.
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How to Ensure Maximum Compensation from Insurance: Understand Your Policy
Another essential part of getting more money from your insurance claim is understanding what your insurance policy covers. This includes knowing:
- What kinds of accidents and injuries your policy covers
- The maximum amounts your policy will pay for medical expenses, lost wages, pain and suffering
- How much your deductible is and how it will impact your claim
- If your policy includes uninsured/underinsured motorist coverage or other optional coverage that could come into play in your case
Insurance policies are often written in dense, legal language that can be difficult for the average person to understand.
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Effective Negotiation with Insurance Adjusters: Don’t Give Recorded Statements
After an accident, the other party’s insurance company may contact you and ask you to give a recorded statement about what happened. They might say this is a normal part of the insurance claims process and promise they just need your side of the story. But it’s important to know that insurance claim adjusters are trained to ask questions in a way that can make your claim look bad.
For example, an adjuster might ask how you feel after the accident. If you say you’re “fine” or “okay,” they might argue that your injuries aren’t as severe. Or, they might ask tricky questions that make it sound like you’re admitting the accident was your fault, even if it wasn’t.
To protect your rights and avoid saying something that could hurt your case, it’s best to say no to any requests for a recorded statement politely.
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Patience is Key
When looking at a pile of medical records and bills and other costs, it’s normal to want to settle your insurance claim as fast as possible. But settling too soon often means taking far less money than your claim is worth. This is especially true if you have severe injuries that need ongoing treatment or if you don’t know how bad your injuries are.
By assessing your damages and building a strong case fully, you can work towards getting all the money you deserve.
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Don’t Wait. Contact Gatti, Keltner, Bienvenu & Montesi, PLC Today
Dealing with an insurance claim can be complicated, time-consuming, and stressful. This is especially true when you’re also trying to recover from a severe accident. That’s why it’s so important to have an experienced personal injury attorney on your side. They can handle the legal work and fight for your rights every step of the way.
At Gatti, Keltner, Bienvenu & Montesi, PLC, we’ve been helping Memphis car accident victims in the Memphis Tri-State Area on how to get more money from insurance claim for over 50 years. Our team knows how insurance companies pay less and how to get the best results.
If you’ve been hurt in an accident, don’t try taking on the insurance company yourself. Call our office today at (901) 526-2126 or visit our website to set up a free consultation with one of our experienced Memphis personal injury lawyers. Our law firm has a contingency plan, which means you won’t pay fees unless we win your case. Let us use our knowledge, skills, and resources to get you the money you need to move forward with your life.
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