Dealing with an insurance company after a car crash in Hawaii involves negotiation. Think of it like discussing a price, but it is about the costs of your injuries and damages. The insurance adjuster will try to settle the claim. Their goal is usually to pay out as little as possible. Your goal is to get enough money to cover all your accident-related costs.
What should you expect and how should you prepare for negotiations?
Be prepared for this process to take some time. You will need to gather information and be patient. Expect the insurance adjuster to ask questions and review your documents. You should figure out how much money you realistically need to cover everything.
Establish a minimum and maximum settlement range that you feel is fair, but keep this information to yourself. Aim high in your demands because the insurance adjuster will likely offer less than you request.
Tips for settling a car accident case – What our attorneys have learned
Over the years of helping people in Hawaii, experienced car crash attorneys learn what works best when dealing with insurance companies. Here are some key tips:
- Never accept the first offer: The first amount the insurance company offers is almost always low. They want to see if you understand what your claim is truly worth and sometimes act in bad faith. Don’t jump at the first offer; be ready to discuss why you need more.
- Start your claim immediately: After an accident, report it and start the insurance claim process right away. This helps make sure evidence is fresh and you don’t miss important deadlines.
- Compile as much evidence as possible: The more proof you have, the stronger your case. Collect things like the police report, photos of the crash scene, medical records, bills and receipts for related expenses (like prescriptions or transportation to appointments), and names of any witnesses.
- Know what to expect from your costs: Add up all your current bills. Think about future medical care you might need because of the crash. Also, figure out how much income you lost if you couldn’t work. Understanding these numbers helps you know what a fair settlement looks like.
- Keep records of all communications: Write down every time you talk to the insurance adjuster. Note the date, time, who you spoke with, and what you discussed. Keep copies of all emails and letters sent or received. This creates a paper trail.
- Rely on a trusted local support network: You don’t have to do this alone; talk to your family and friends. Talk to your doctors and physical therapists about your injuries and recovery. Get advice from trusted mechanics about car repairs. Sometimes, this network also includes a knowledgeable local attorney.
You might wonder if you need a lawyer. Insurance companies have adjusters and lawyers who handle claims every day. They know Hawaii’s specific laws and rules. An experienced Hawaii car crash attorney on your side levels the playing field.
Choosing the right legal help is important
You want a team that knows Hawaii car crash laws well and has a history of helping people like you. Our lawyers at Trecker Fritz & Williams, Attorneys at Law understand the local courts and insurance company tactics. They know how to value your claim fully, including pain and suffering, which can be hard to calculate, and fight for a fair settlement. Call our award winning attorneys to learn more about what your case might be worth at 808-797-3363.