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Negotiating an injury claim is one of the most challenging events following an accident. The truth is that most insurance companies are not willing to settle for the price you present to them. They have agents spread all over the country to help them negotiate and pressure clients to settle for less in their claims. This article highlights how to negotiate with Travelers Insurance, an insurance company located in the United States.
Travelers Insurance is the second largest writer of commercial insurance policies in the U.S. It is also the third largest company that offers personal insurance policies in the country. The company has its headquarters in New York City, but it also controls several outlets spread across the country. The company’s agents are well-known for their good negotiation skills, which is why most people dread an encounter with them in the first place. However, the tips below will help improve your negotiation skills and beat the agents at their game.
Make an Offer
You need to come up with a settlement offer as soon as you get an injury from an accident and send it to Travelers Insurance. The figures in the offer should include all the losses you incurred following an injury. Include the amount you spent on hospital bills and therapies. Don’t forget about lost wages and the pain and suffering you went through. You may also consider future losses such as ongoing medical expenses and lost projected earnings. Even if you are not sure of the exact amount, it is better to overestimate than underestimate.
Expect the Agent to Turn Down Your Initial Offer
A serious insurance agent will probably not settle for the first offer unless he or she wants to trap you during a negotiation. Expect the agent to counter you initial offer with an annoyingly lower offer. Agents offer a lower amount to test whether you are aware of what you are doing. However, the agent should be in a position to justify the offer he or she provides. Once he or she explains the offer, determine whether it is reasonable enough. If it is not, you can make another offer and fully explain why you deserve it.
Present All The Circumstances
You must highlight all the favorable circumstances of the accident. The insurance adjuster already knows all the basics. However, he or she may not be aware of the fact that the accident changed your life significantly. For instance, a severe injury that left you unable to do simple tasks or even go to work. The accident might have also caused a loss of a loved one who was the breadwinner in the family. Ensure you articulate all these life circumstances to the adjuster. Remember the adjusters negotiate to settle for less than it would be in court if you file a lawsuit. The chances are that the agent will be more than willing to settle your claim if he or she feels that your case would be sympathetic in court.
An insurance adjuster is more than happy to negotiate with victims who present themselves without an attorney during negotiations. They know that unrepresented injured parties will often fold and take the offer no matter how bad it is. Most of these people bow to the pressure from the adjusters because they have already spent a lot of time on the negotiation process. The last thing they want at this point is to go back to the starting point. Adjusters are also aware that there are some injured people will represent themselves only to go back for an attorney after they receive an unfavorable settlement offer.
The bottom line of this argument is that it is wise to hire a personal injury attorney from the first day of negotiation. Though it might feel like you are entitled to the claim, a Denver car accident attorney will help you get the full amount you deserve if the insurance companies do not cooperate. If you need help getting the compensation you deserve, call our Denver personal injury lawyers at 800-863-5312 today for a free consultation.