I'm getting "rear-ended' by an insurance company on an auto accident settlement. Advice please?
December 9, 2011 2:32 PM Subscribe
No lawyer wants to touch this, so how do I negotiate a settlement with an insurance company on my injury claim for a motor vehicle accident?
posted by loquat to law & government (21 answers total)
The adjuster for the at-fault driver is offering me $500 firm with no compensation for time off from work (taking sick days, doctor's appointments, etc.) or anything else. I'm not looking to profit from this, but every time I think $500, I get upset to the point where I can't even think rationally.
It's upsetting to think that this company thinks $500 is the fair amount for my "pain and suffering" despite the fact that I missed out on a mini-vacation due to the whiplash injuries, my work suffered, my social activities dissolved to nothing but staying in bed evenings and weekends, and still almost 9 months later, I can't lift a suitcase or carry a child without feeling pain and soreness in my neck and back for days!
So when they tell me $500 is what they're willing to give in compensation, it feels like they're minimizing the impact this accident had on my life. I'm not severely or permanently injured, my car suffered only some superficial scratches on the rear bumper, but nonetheless, I've had to deal with some more than inconvenient things as a result of this accident.
With car accidents so unfortunately common, I'd like to ask people about their experience of the negotiation process and what advice might help me get to the point where the sum they offer doesn't evoke such an emotional response. Because if this is really about compensation for my pain and suffering, that $500 is just insult to my injuries!