If you’ve been in an auto accident, it is necessary to inform your insurance company about it and file for an insurance claim at the earliest.
This will begin the process, which means you being contacted by a claims adjuster who will establish your coverage type, deductibles and limits of coverage affecting the claim.
Your case will be handled depending upon its complexity. Simple cases with little or no damage or no fault issue can get you a check after providing estimates to the adjuster. In complicated cases involving unclear liability; insufficient coverage; or non-agreeable settlement offer, the process of negotiation may take time.
After performing detailed investigations from his side, the adjuster will offer you a settlement amount, which will be in part or full of your claim, generally on lower side. If you’re confident, before this offer you can send a demand letter from your side asking for a settlement claim amount.
To get a higher settlement amount you may have to negotiate hard. You should verify legitimacy of denied claims and respond promptly to it. Take the help of an attorney to make sure you follow time limits for lawsuit filing.