How to Negotiate an Accidental Shooting Injury with an Insurance Company

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Firearm injuries can be very serious. The Centers for Disease Control and Prevention estimated that in 2016, 116,414 people were injured from guns alone. If you have been injured in a shooting accident, you may be entitled to compensation.

Negotiating with an insurance provider can be stressful, especially after an accident. While you may be able to handle a minor accident claim on your own, the insurance claims process can be complicated if you were seriously injured or if you were not at fault. 

In those circumstances, you may benefit from a personal injury attorney’s help. If you or a loved one has been injured in a firearms accident, our team of attorneys can help you seek maximum compensation for your injuries. Call Zinda Law Group at (800) 863-5312 for a free case evaluation with our experienced personal injury attorneys. 

File a Claim 

After receiving medical attention, you will need to file a claim with your insurance company. Most insurance companies allow you to file a claim either online or over the phone, and will generally get in touch with you within 24 hours.

Gather Evidence

When you speak to with the adjuster assigned to your claim, you should know what you need from them.

Insurance companies base settlement offers on the victims’ damages. How much compensation do you require to get back to normal? This damages calculation can include medical bills, lost wages, expected future medical expenses, and pain and suffering. Knowing what you need is crucial for future negotiations.

Next, you should gather any evidence that can make your claim stronger. You can ask your doctor to write a letter describing the nature and extent of the injury, as well as the plans for your future recovery. You should gather your medical bills, any witness statements, or even security camera footage. You could also ask your employer to verify in writing any lost income from missed days of work since your accident.


Negotiating with insurance companies is often difficult. Insurance companies want to make money, and they do this by limiting payouts to claimants. For minor injuries, such as abrasions or sprained hands, your insurance will be more likely to cover your damages. However, most gun injuries are quite serious. When you are asking for a larger payout, you may need to negotiate for a higher settlement.

After your insurance company has the details you provided when you filed your claim, a claims adjuster will contact you to ask you more questions. After this, you will be presented with an offer.

If this number is too low based on your calculations, you are not required to take it. You can respond to your claims adjuster with a written request for a higher number. You should also provide your reasoning for requesting this amount. Include your doctor’s note, your employer’s verification of your lost wages, and any other evidence that highlights the seriousness of your injury. This negotiation process can last months.

During this period, it is important you don’t say something to damage your claim. It is probably not a good idea to admit you were drinking, or that you didn’t know what you were doing. Instead, focus on your injury’s impact on your life. Do you have a family you can no longer take care of? Are you stuck in bed for the foreseeable future? Try to remain polite when working with your claims adjuster, as they could always refuse to work with you.

If you feel as though your insurance company is unwilling to meet you halfway, it may be time to seek out professional help from a skilled accidental shooting lawyer.

Get Help from Our Experienced Shooting Injury Lawyers

At Zinda Law Group, our gun accident attorneys have helped thousands of victims seek justice and receive the compensation they deserved.

We are ready to help you navigate the insurance claims process, build the strongest case possible, and put this accident behind you. Your health matters, so let us take this off your shoulders.

If you or your loved one has been injured in a firearm accident, contact Zinda Law Group at (800) 863-5312 to receive your free consultation and learn how we can help.

Meetings with attorneys are available by appointment only.