How to Negotiate a Car Accident Injury Claim with Progressive Insurance | Fort Collins Injury Lawyers
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If you were injured in a car accident, you likely have several areas of concern. Worrying about medical treatment, absences from work, dealing with insurance companies, and the effect on your finances makes an already unfortunate situation even more stressful.
With respect to dealing with insurance companies, some of this stress can be alleviated by understanding how the claims process works and what you can do to maximize your chances at receiving fair compensation.
If you or a loved one has been injured or involved in an automobile accident and are dealing with Progressive Insurance, call Zinda Law Group at (800) 863-5312 for a 100% free case evaluation with our skilled and experienced Fort Collins car accident attorneys.
What to Expect from Progressive Insurance
Like many other insurance companies, Progressive Insurance follows a prototypical process when it comes to handling car accident. After filing a claim, an adjuster will investigate the accident that led to your injuries. The adjuster will use company-approved formulas and methods to come up with a dollar amount that is likely less than your claim’s actual worth.
Although this low initial offer may be frustrating, it is important to remember that you can negotiate the settlement offer.
Consulting with a skilled car accident injury attorney who can guide you through this negotiation process can be a very useful tool when it comes to maximizing your chances at receiving a fair settlement.
Negotiating Your Car Accident Injury Claim
Although it is likely that Progressive’s initial offer will be lower than what you were anticipating or hoping for, you must realize that this does not signal the end of your claim. It is possible to negotiate a better settlement.
It is also important to realize that the negotiation process is a battle that consists of back-and-forth communication between you and the insurance company’s claims adjuster. The goal of the settlement process is to convince the adjuster that your claim is worth more than what the company says it is.
Progressive may attempt to justify its low offer in a variety of ways. For example, Progressive may claim that your injuries were caused by a prior event rather than the car accident in question. Similarly, Progressive may claim that your injuries have healed since the date of the accident. Finally, Progressive may simply argue that your claim is not worth that much, period.
Below are several steps that you can take in response to Progressive in order to maximize your chances at receiving truly fair compensation.
Collect and Organize All Documentation
It is very important that you organize all documentation relating to the incident. The more comprehensive the documentation is, the better position you will be in when it comes to negotiating your claim.
If possible, you should gather: police reports, medical/repair bills, photographs of the injury or damage, photographs of the scene of the accident, witness statements, and estimates of lost wages. Collecting and organizing these documents will make the rest of the negotiation process easier to navigate and will help you understand and stick to the facts of your situation.
Establish a Minimum Settlement Amount
Understanding what your claim is actually worth will allow you to negotiate more effectively. Estimate your claim’s value by considering important factors such as: medical bills, car repair bills, lost wages, and other miscellaneous expenses.
Once you determine your claim’s value, you will be in a better position to negotiate your claim. Although Progressive may deny or reject your initial settlement offer, do not hesitate to reject theirs if the proposed amount is substantially lower than your estimate.
Emphasize and Reemphasize Your Accident
Defend your position throughout the process by emphasizing and reemphasizing the severity of the incident, the extent of your injuries, and how those injuries will impact your life both physically and mentally. You can refer to any relevant documentation whenever possible in order to support your position. Referring to this evidence will make it very difficult for adjusters to lowball you.
Our Fort Collins Car Accident Injury Attorneys Can Help
At Zinda Law Group, our Fort Collins attorneys have the skill and desire to assist you following a car accident. We have the resources necessary to help you build the strongest claim. Our attorneys have plenty of experience in helping clients negotiate claim settlements. Further, we will work tirelessly to assist you in seeking compensation for medical bills, property damage, lost wages, pain and suffering, and more.
Our firm also believes that an injury victim should never have to worry about being able to afford excellent legal representation. That is why we offer 100% free consultations, and why you pay nothing unless we win your case. That’s our No Fee Guarantee.
If you would like to speak with an experienced Fort Collins car accident lawyer, or to learn more about negotiating claim settlements, call Zinda Law Group at (800) 863-5312 to receive your free case evaluation.
Meetings with attorneys are by appointment only.