The primary benefit of insuring your car is getting a settlement, in case you get involved in an accident. However, it is essential to note that you may not always get the claim you want. Sometimes the settlement may be unfair. This is why it is crucial to involve a Richmond car accident lawyer in case the accident involves a truck. Having a professional guide you through the settlement process will help you get a fair settlement.
The following questions will give you a head start for negotiating your car accident settlement.
- The circumstances of the claim
There is a lot to be covered in this. This is the part where the general details of the case are highlighted. This could be the kind of vehicle that your car crashed into, the non-economic damages caused (this may include scarring or inconvenience), medical bills, and so on.
Note that the circumstances are different, and they can attract varying values of claims. Talking to the relevant professional will help you understand the different circumstances better. In the case of a truck accident, you can consult a car accident lawyer.
- Does the settlement cover your medical bills?
Never assume anything. The chances are that your settlement will not cover your medical bills. The only way you can get clarity on this is by asking. In the event of an accident, apart from damage to your car, people are likely to get injured, and this will attract medical bills. It is, therefore,, vital to ensure that your claim covers the medical bills too. This will come in handy if you are injured.
- Does the insurance cover your time off work?
Some insurance policies settle lost wages, but some do not. Injuries resulting from an accident can make one unable to go to work. During the time out of work, you will lose wages, and that is where this kind of settlement comes in. A good insurance policy should be able to cover the wages you lose due to an accident.
- Has your insurance company understood you?
Before you agree to settle a claim, ensure that you have been heard. It is the only way you can get a fair settlement. If you feel that your full case has not been heard, you should consider involving a professional. Being in touch with your rights at this point is an advantage. This is mainly because insurance companies will always go for low offers before you negotiate.
Car accidents, no matter how minor, can attract costs. Without the help of an insurer, settling the expenses can put a big dent in your finances. A fair settlement should cover medical bills, loss of wages, and other types of inconveniences, depending on the circumstances.
Knowing your rights and being conversant with the low will give you better bargaining power. Also, working closely with someone who understands car accident settlement cases is an added advantage. Get the right car accident attorney to get the proper settlement.