The invention of the wheel literally makes the world go ‘round. The invention of the car makes it go even faster. When Karl Benz took his invention to the road back in 1886, it sparked a passion in people. Since then, the car has come a long way, in terms, of performance, comfort, and luxury. Now, cars come in all shapes, sizes, and even prices. No matter who you are or what you do, there is a vehicle for you. For many, the passion for cars is something that you cannot explain but only feel. For Sergio Mariscal, the thrill of cars, and the smell of gasoline ignite the passion inside of him.
At a very young age, Mariscal noticed his growing passion for cars. Hotrods, muscle cars, SUVs, and even convertibles all set Sergio’s pulse racing. Possessing a degree in business administration and background in corporate communication, he brought these areas together with his love for cars to create the ultimate car website, CarGlobe.mx. The site brings the latest and biggest news in the automobile industry, along with reviews, interviews, tips, and more. Fondly known as Cheko, Mariscal loves test-driving new cars and offering suggestions to people seeking a new set of wheels.
Apart from running the website, Mariscal also hosts the TV show Super Nave on the Acustik channel. He can talk cars for hours and understands the industry like no other. He shares, “When I got an opportunity to make a living out of my passion, my job knew no bounds. Cars are what I love and live for.” His passion has taken him all over the world, including Japan, Germany, France, the United States, and many more places in his pursuit of happiness and passion.
If you didn’t know, Mariscal happens to be one of the biggest names on television in Mexico with a strong passion for cars. Along with his current endeavors, he has also hosted a radio car show and dabbles in podcasts and vlogs about cars. As an automotive journalist, Sergio has years of experience, and when he is not test-driving the latest vehicle, you can find him in Mexico spending time with his wife and two boys.
How to Negotiate With Car Insurance Companies After an Accident
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.
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