It’s a familiar refrain: you need a college degree to reach the highest echelons of success. The worlds of business and profitable creativity are closed off to you without it. The ceiling is more or less set. Ryan Sprance thinks differently, though.
He has good reason to. Sprance didn’t graduate from college. In 2013 he was a manager at an Apple store, albeit the largest one in the world. Now, six years later, he is emerging as one of the most dynamic and talked about names in digital media and marketing.
His Kaihatsu Media, founded in 2016, has gone from around USD 1,000 in sales each month in the spring of 2018, to over USD 70,000 by the spring of 2019, and is on track to rake in over a million dollars in monthly sales by the end of the year. Also, in 2019, he was invited to join the Forbes Agency Council -a collective of invitation-only communities of exceptional business owners and leaders -run by Forbes magazine.
Given the speed with which he has achieved his success, it wouldn’t be wrong to assume that Sprance has an Ivy League degree attached to his name. But, as mentioned before, it was all done without a college degree. Which is not to say the journey from one end to the next has not been challenging, or that Sprance did not need to know what he was talking about. And he certainly sees nothing wrong with going to college. It would appear that Sprance’s training came primarily through his willingness to teach himself.
“I’ve worked hard to educate myself by studying every aspect of digital media,” says Sprance. “Working at an Apple store as a manager, I needed to know a lot about tech and the uses of the web. But with computers and the internet, things are changing so quickly. You always need to be learning new skills, discovering new ways of looking at business.”
Indeed, the rapid changes in how people learn and find information, brought on by the advent of the internet and social media, has revolutionized both business and education. Exactly how isn’t clear, partly because these changes happen so fast. Sprance’s story, however, provides something of an answer.”
I think if my story shows anything, it is that a lot of the old rules have been tossed out regarding one’s path to making it big. Personally, I think if you are willing to learn, then you don’t need an institution to give her permission regarding how to use your own knowledge.”
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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