Lifestyle

How to Negotiate With Car Insurance Companies After an Accident

Published

2 years ago

December 10, 2023

After a car accident, negotiating with insurance companies comes with the territory. Unfortunately, most people don’t know what to do, so they end up being taken advantage of by the insurance companies. We don’t want this to happen to you.

Let’s explore several helpful tips that will allow you to negotiate strategically and get the results you want.

Document Evidence

The foundation of a successful negotiation with insurance companies lies in thorough documentation. From the moment the accident occurs, gather as much evidence as possible.

Take photographs of the accident scene, including vehicle damage, skid marks, road conditions, and any visible injuries. Collect witness statements, police reports, and medical records to support your claim.

This documentation serves as crucial evidence to substantiate your case during negotiations. The more evidence you gather, the stronger your position will be when presenting your claim to the insurance company.

Understand Policy Coverage

Familiarize yourself with the details of your insurance policy. Understand what is covered, the limits of coverage, and any applicable deductibles. Knowing the specifics of your policy empowers you to negotiate from a position of knowledge.

Take note of your policy’s provisions related to collision coverage, liability limits, medical payments, and any additional coverages that might be relevant to your situation. This understanding will help you assess the insurance company’s offers accurately and ensure you receive the compensation you’re entitled to under your policy.

Hire an Attorney

You have the ability to represent yourself and speak directly with insurance companies about your claim. However, in complicated situations – or even simple situations where there are a lot of medical bills or damages involved – you’re better off getting some help.

“When an insurance company receives a claim for an injury, they do not simply roll over and pay out any amount that the injured person wants,” Parham Smith & Arcenhold explains. “Instead, thorough investigations take place. These companies have the resources necessary to look out for their best interests financially, which is why any injured individual should have the same level of legal representation.”

A good attorney is someone who specializes in car accident claims, has an extensive track record of successful negotiations with car insurance companies, and has been in your local area for a number of years. You want someone you can trust and depend on throughout this case, no matter how many twists and turns it might take.

Stay Composed During Discussions

Negotiations with insurance adjusters can be intimidating, but maintaining composure is crucial. Be respectful and avoid being confrontational during discussions. Stick to the facts and avoid admitting fault or making statements that could be misconstrued as accepting liability.

Remain firm in advocating for fair compensation but avoid making rash decisions out of frustration. Take your time to review offers and consult with professionals, such as legal advisors or trusted experts, before accepting or rejecting any settlement offers.

As a general rule of thumb, an insurance company’s first settlement offer might only be worth 25 to 50 percent of the full value. This is why you should always reject the first offer and work with your attorney to negotiate back and forth.

Value Your Claim Accurately

Accurately valuing your claim is critically important for a successful negotiation. Consider all the damages incurred, including vehicle repairs, medical expenses, lost wages, pain and suffering, and future rehabilitation costs. Gather estimates from reputable auto repair shops and medical professionals to substantiate your claim.

Don’t undervalue your losses. Consider the long-term implications of the accident, including potential future medical treatments or the impact of injuries on your quality of life. Presenting a well-documented and accurately valued claim increases your chances of obtaining fair compensation.

Negotiate With a Strategy

Remember, insurance wants to settle claims quickly and for as little as possible. However, armed with proper documentation, knowledge of your policy, a composed demeanor, and an accurately valued claim, you’ll be better positioned to negotiate effectively and secure a fair settlement.

Sugarcoating this process won’t do anything good for you. The reality is that it’s you versus the insurance companies. If you choose to plug your ears and pretend that nothing is happening, you will get the raw end of this deal. However, if you fight back with the assistance of an attorney who has a good strategy, you’ll put the insurance companies on their heels and force them to give ground.

As a result, you’ll likely get a much more fair settlement.

Lifestyle

Confronting Propaganda: Street Smart Documents Honest Reactions to Gaza Indoctrination Footage

Published

2 days ago

November 6, 2025

Michelle Langton

Photo Courtesy of: Street Smart

Byline: Michelle Langton

In a recent project, the Street Smart team gathered 20 strangers and presented them with propaganda footage from Gaza that has circulated widely online but remains largely unfamiliar to many audiences. The aim wasn’t to provoke outrage or test media literacy in a classroom setting. It was to capture raw, unfiltered emotional reactions to material that reveals how narratives are formed at the source. The resulting video offers a candid look at how people process shocking content and how their perceptions shift when they see what is rarely shown on mainstream platforms.

The Structure of the Experiment

The format was simple. Participants were seated and shown a series of clips from Gaza, including children’s programming and broadcasts containing intense ideological messaging. No background information was provided, and viewers were not instructed on how to interpret what they were seeing. After watching, they were asked for immediate reactions.

The footage elicited a wide range of emotions. Some viewers were stunned by the content, admitting they had never seen anything like it before. Others expressed disbelief, questioning why this kind of material isn’t more widely discussed. A few were visibly shaken, saying the experience fundamentally altered their understanding of the situation.

By presenting the footage without narration or added commentary, Street Smart allowed participants’ genuine responses to emerge. The experiment revealed how propaganda can affect an entire generation. It can shock, unsettle, and force people to reconsider their assumptions.

Why This Project Matters

Sage Fox and Dorani aligned the purpose of this experiment with Street Smart’s broader mission of challenging prevailing narratives and encouraging critical thought among younger audiences. In an environment where footage spreads rapidly across digital platforms, propaganda can shape public opinion long before context catches up.

By showing the Gaza Indoctrination footage in a controlled setting and recording uncoached responses, the team aimed to expose the emotional and cognitive impact of this type of content.

“The first reaction is often the most revealing, because it shows how powerful images can be without context.”

The Range of Reactions

While each participant brought their own perspective, several themes emerged. Some expressed sympathy with the imagery itself, saying it was emotionally powerful.

One participant said, “It makes me question what I see online every day. How much of it is shaped this way?”

Their comments highlight how propaganda resonates differently depending on prior knowledge and exposure. Many viewers have simply never encountered such footage directly.

Street Smart’s Approach

This project continues a pattern established by Sage Fox & Dorani’s earlier videos. Rather than relying on experts or lengthy analysis, Street Smart focuses on real people and their honest reactions. The approach is simple but effective. Present potent material, listen to what people say, and share those moments with a wider audience.

The Gaza Indoctrination footage experiment fits this model. It doesn’t attempt to draw final conclusions or offer political commentary. Instead, it documents how people respond when they’re exposed to narratives that are usually filtered through intermediaries.

Implications for Media Literacy

Beyond its viral potential, the video raises broader questions about how people interact with powerful imagery online. Propaganda operates on emotional reflexes. As this experiment shows, those reflexes are often unexamined until they’re brought to the surface.

Sage Fox & Dorani hope that projects like this push audiences to think more critically about what they see and share.

“The purpose is not to tell people what to believe. It is to remind them that every image comes from somewhere, and that source matters,” they said.

Next Steps for Street Smart

As Street Smart’s platform grows, Sage Fox & Dorani plan to conduct similar experiments in different contexts. They intend to use their direct, street-level approach to highlight how people react when presented with challenging material.

The Gaza footage project is one piece of a larger mission. The team uses simple methods to shed light on complex issues. By focusing on authentic reactions, they continue to build a unique space in online media that blends cultural investigation with raw human response.

A Window into Unfiltered Thought

“We showed 20 strangers real propaganda footage from Gaza — and filmed their unfiltered reactions” is not a dramatic exposé or academic study. It is a clear, unmediated record of how individuals respond when confronted with material designed to persuade. In that restraint lies its strength.

By documenting these moments, Street Smart shows how awareness can begin with a pause. A brief space between seeing and believing.