Settling after an accident
June 18, 2014 11:52 AM Subscribe
How do I negotiate an accident settlement without getting taken advantage of?
posted by anonymous to Society & Culture (21 answers total)
On May 30, I was in an accident; I was driving through a yellow, and another driver turned and hit me. She was cited for failure to yield to oncoming traffic. My car has been taken care of; I have already received a settlement and purchased a new car. The only thing left is dealing with the other driver's insurance company and settling for medical and pain and suffering. I had some nasty looking bruises on my wrist, chest and abdomen that took about a week to heal, but that's it as far as injuries. I declined an ambulance at the scene, but went to the ER by car later and had x-rays of my wrist and chest and an MRI of my abdomen. I don't anticipate any further health issues as a result of this accident.
An adjuster from the other driver's insurance company has been in touch a few times, and he wants me to fill out a release for my medical records. Is this a terrible idea? I have already made a recorded statement, which may have been a mistake, I don't want to screw this up any further. Should I write a demand letter? My health insurance paid my medical bills, and the adjuster mentioned that those would be paid to me, plus other money.
I really just want to settle this and move on, but I also don't want to accept less that I could get. I feel like the limited extent of my injuries and the fact that I declined an ambulance would make getting a lawyer a waste.