If you’ve been driving for a couple of years, you’ve probably been in a car accident already. But those who haven’t usually think that the worst part of such accidents is the actual collision when in reality, it’s what happens after that’s truly scary and stressful. Car accidents can become very complicated cases that can take days, weeks, months or even years to settle, before all parties are properly compensated.
The aftermath of a car accident comes with a lot of problems that you’ll have to deal with. You deserve reparations to make up for what someone else’s negligence did to your health and property. That’s the only way you can make the best out of a terrible situation. But before filing a case and working towards a settlement later on, here are some things you need to take note of:
● How long ago did the car accident happen? The time between the actual accident and the filing of your case will affect the eligibility or strength of your case. If a suit is filed long after the incident, you might lose some credibility. The official handling your case may doubt your reasons for filing a case because you took too long to do so. They may think you’re just trying to extort money. It’s important to file a case as soon as possible after the incident to improve your chances of receiving adequate compensation.
● Did you settle with the negligent party beforehand? Most car accidents don’t end up going to trial because both parties settled the case out of court. If you did something like that with the negligent party right after your accident, then the prescribed payment or settlement period may interfere with any attempts on your part to file a case in court or with your insurance company.
● Do you have a compelling case based on your narrative of the accident?
● Have you drafted a demand letter?
These factors will affect your case greatly while ensuring that you have all you need to get just compensation.
How to settle your car accident case effectively
When trying to settle car accident cases, you have to remember there are several factors that you’ll have to deal with, and they can affect how the entire process will go. These factors are your demand letter, mediation, and negotiation. Here’s how you can ensure that everything you do will be to your advantage and help you get just compensation:
Your demand letter
When drafting your demand letter, you have to include the circumstances, compelling arguments, facts, and expenses related to your case. All of that will help the insurance company understand why you’re filing a claim to help you deal with the difficulties and inconveniences that you experienced as a result of your car accident. A well-written demand letter can tip things in your favor and help you receive just compensation without having to go to court. Here are crucial details that you’ll need to include in your demand letter:
● A detailed narrative of what happened before, during, and after the accident
● All the pertinent information on the treatments you received, the bills you had to pay for, and any losses you sustained due to the accident
● A detailed explanation as to why you didn’t cause or contribute to the accident
● Documented damage to your property
Once insurance companies receive your demand letter, they will respond to your message by making an offer that is admittedly, too low. Insurance companies will lowball you at first, but you won’t have to settle for less as long as you know what you deserve. During the negotiations, it’s wise to decline the initial offer by sending the insurer a written response. In your response letter, state why you consider their offer too low so that you can be properly compensated. After all, you did nothing wrong but you were inconvenienced, so why should you be shortchanged? Include additional proof to justify the amount that you’re asking for, such as pictures of your injuries, documents from your employer certifying your missed days, and a medical certificate from your physician can make a difference.
In this part of the process, it’s important to have a neutral party come in based on the arguments of both sides. A legal mediator can check your argument and the insurer’s to see which side is more reasonable. They will objectively judge and compute just how much you should get for your troubles based on your argument.