I was rearended in a car crash , my car was totalled. what do you ask for settlement after car is taken care of?
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UPDATED: Dec 14, 2011
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Insurance Question from Boone, IN
Asked on 12/14/2011
I was rearended in a car crash , my car was totalled. what do you ask for settlement after car is taken care of? I was in the ER and had about 8 other doctors visitis. I feel that the amount that they want to give back to me is low. How is that figured out.
Answer given on December 14, 2011
If you are in an auto accident, and rearended by the other driver, the responsibility to repair or replace your car is put upon the insurance company for the other party. If you were injured in the accident, the other party’s insurance company must reimburse you for your medical expenses. Usually, no settlement is offered until all medical bills are in, so if you are continuing to seek medical treatment, the settlement won’t be made until your treatment is completed. Once that settlement is made, the insurance company may offer an amount to reimburse you for your time, suffering and pain. The initial offer may seem low, but you have the right to reject that offer and submit a request of your own. There could be negotiations between you and the adjuster until an amount is reached that satisfies you and the insurance company. If you feel the offer is still low, you should ask to speak with a supervisor, who may be willing to increase the offer. If you are still not satisfied you do have the option of seeking legal help, but the costs of the attorney may offset any increased amount you receive.
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