How to Negotiate with Your Insurance After a Hit-and-Run

Question from DD, How to Negotiate with Your Insurance After a Hit-and-Run

Answer from AI:

Dealing with the aftermath of a car accident, especially a hit-and-run, can be overwhelming. If you’re experiencing back and leg pain and need to negotiate with your own insurance for a payout under liability insurance and Personal Injury Protection (PIP), here are some steps and considerations to keep in mind. Remember, while this guide provides a general overview, consulting with a legal professional for personalized advice is always recommended.

Understanding Your Coverage

First, it’s crucial to understand the coverage you have:

• Liability Insurance: This typically covers damages to others caused by you. In a hit-and-run scenario, this may not be directly applicable unless you have uninsured motorist coverage, which can sometimes cover hit-and-run accidents.
• Personal Injury Protection (PIP): PIP coverage is designed to pay for medical expenses, and sometimes lost wages, regardless of who is at fault. The specifics can vary by state, as some states are “no-fault” states where PIP is required or highly recommended.

Steps to Take Following the Accident

1. Report the Incident: Immediately report the hit-and-run to the police and your insurance company. A police report can be crucial for your insurance claim.
2. Document Everything: Take photos of the scene, your vehicle, and your injuries. Keep all medical records and receipts related to your injuries and treatment.
3. Review Your Insurance Policy: Understand the specifics of your coverage, including any deductibles and coverage limits.
4. Seek Medical Attention: Even if your injuries seem minor, it’s important to get checked by a healthcare professional. This not only ensures your well-being but also provides documentation of your injuries for your claim.

Negotiating with Your Insurance Company

Negotiating with your insurance company involves several key steps:

• Initial Claim: When you file your claim, provide all the documentation you’ve gathered. Be thorough but factual about your injuries and damages.
• Understand the Offer: Your insurance company will likely make an initial offer. Understand how they’ve calculated this and why it may be lower than expected.
• Counteroffer: If the offer is insufficient, prepare a counteroffer. Include justification for the higher amount, referencing your medical bills, the impact on your life, and any other losses.
• Be Prepared to Negotiate: Insurance companies expect some negotiation. Be patient but persistent. Highlight the strengths of your case and be prepared to compromise to a reasonable extent.
• Consider Legal Advice: If negotiations stall or the offer remains unsatisfactory, consulting with a personal injury attorney can be beneficial. They can provide guidance or take over negotiations on your behalf.

Additional Resources

For more information on dealing with insurance after a car accident, consider visiting the National Association of Insurance Commissioners (NAIC) Auto Insurance page for general guidelines. Additionally, the Insurance Information Institute offers insights into what is typically covered by a basic auto insurance policy.

Remember, each case is unique, and laws vary by state. It’s important to consult with a legal professional who can provide advice tailored to your specific situation. Negotiating with insurance companies can be challenging, but understanding your rights and being prepared can help ensure you receive the compensation you deserve.