Car Accident? How To DOUBLE Your Injury Settlement In Texas (2022)

Secret #1 – NEVER TRUST THE INSURANCE ADJUSTER
Now, we all know that if you get in an accident and you have property damage or personal injuries, the insurance adjuster will be one of the first people that will want to talk to you after the accident. Don’t get me wrong, it is important to listen to everything the insurance adjuster says, but never take what they say as what you should necessarily do. In other words, DON’T TRUST THEIR ADVICE!

Let’s examine how insurance adjuster’s work – remember the number one job of an insurance company and insurance adjuster – limit claim pay outs! I’m not being negative or judgmental necessarily but insurance companies make money when they find ways to avoid paying out on claims. We all know this. But did you know that insurance adjuster’s pay and performance is judged by how LITTLE they pay out to you? In other words, THEY ARE ACTUALLY INCENTIVIZED NOT TO PAY YOU OUT A FULL SETTLEMENT.

In fact, some insurance companies may limit or suspend an insurance adjuster’s authority to settle a claim if they do not consistently settle cases with the lowest payouts. Not to spend too much time on this but if the average loss payout is not on the low end, the insurance adjuster will make less in bonuses and could be docked for performance. Why does this matter? NEVER TRUST THE INSURANCE ADJUSTER’S OFFER OF SETTLEMENT.

Secret #2 – USE THE TOOLS OF A SKILLED NEGOTIATOR
If you do choose to negotiate with the insurance adjustor, be careful what you say! This insurance adjustor is looking for any nuance in your language they can capitalize on to justify a lower settlement.
First, try to get the adjustor to make the first offer. Never try to throw out an offer. All skilled negotiators know that you have the most leverage when the opposing party makes the first offer. You now know your floor and you know they are willing to pay you more. Occassionaly, the insurance adjustor may make a first offer that is reasonably fair and you may have the opportunity to further negotiate the upper end of the possible settlement. However, if you make an initial request that is too low, you will have effectively limited your opportunity to demand a fair resolution in the future.

Secret #3 – ALWAYS GET MEDICAL TREATMENT IMMEDIATELY
It is extremely common for people to want to minimize their injuries immediately after a car accident. You have just been hit and traumatized. Your adrenaline is pumping and you want to believe you are ok and don’t need any treatment. It is also very common for people that have been in a car accident to realize the next day that they sustained more injuries than they realized.

The insurance adjustor will want to speak to you ASAP and try to commit you to being fine or only having soft tissue pain or that the injury is isolated to a single area of your body. You can not trust this assessment! You are not in a place to know if you have more injuries! You must get medical attention and have a doctor evaluate you, run tests and make certain that you do not have more extensive underlying concerns.
Plus, your pain must be documented in the medical records! What if you don’t initially complain of pain but you later find out you have a herniated disc in your back or an ACL or MCL tear or other injury requiring additional medical attention? If you don’t document the actual injuries, you will have an uphill battle with fighting the insurance company to receive a fair settlement value for your car accident. If you are in doubt regarding if you were hurt – GO GET YOURSELF CHECKED OUT BY A DOCTOR!

Secret #4 – GO TO A DOCTOR THAT KNOWS WHAT THEY ARE DOING
Not all doctors are a fan of people coming to them for injury claims. In fact, there are some doctors that will place a notation in your records that you came for an auto injury claim because some doctors think victims are only chasing money. This is not fair to you and you deserve to be treated fairly! Some doctors even become upset when they find out an attorney referred their client to get medical attention to make certain they are healthy. Why would a doctor care about this? Isn’t their job to ensure someone is, in fact, healthy and not in need of medical attention? Beware!

At Fulgham Hampton Law Group, we offer free consultations and we don't recover unless you recover! 817-859-7705

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