Who, What, and How We Represent Matters.
Values-driven personal injury lawyers in Austin, Texas here to listen, educate, and help in any way we can.
Contact Us
int hero 360 austin

How to Negotiate an Insurance Settlement

In order to successfully negotiate a settlement in your accident injury case, you must protect yourself from insurance providers seeking to deny or devalue your claim. No matter how trustworthy an insurance adjuster may seem, the bottom line is that they represent a for-profit company that will attempt to avoid compensating you for the harms and losses you’ve experienced. Securing a positive outcome for your case requires leveraging knowledge and evidence to force the insurance provider to treat you fairly. 

Read on to learn how to gain leverage in these negotiations as well as how to determine whether you need to hire an accident injury lawyer. 

Understand Your Rights 

The tactics that insurance companies use to sweep the rug out from under you include making lowball offers, trying to force you into a premature settlement, or delaying the process until you run out of financial and emotional resources to continue challenging them. In these circumstances, holding your ground can be quite difficult — but knowing your legal rights can help you avoid making mistakes that will damage your case. 

Those who are most vulnerable in negotiations with insurance providers are those who do not understand their rights or the options available to them. Some accident victims fail to realize that they are not obligated to give a recorded statement right away, or that they are entitled to hire a lawyer before discussing anything about their case with insurance providers. 

Work Up a Damage Model

The more you know about what you deserve, the more the insurance company sees you as a risk — and insurance companies are willing to pay when they recognize a risk. You will need to work up a damage model, which essentially means figuring out what the law would force the company to pay were you to succeed in a trial. This involves calculating estimates for damages like medical expenses, past and future pain, physical impairment, mental anguish, and lost earnings or earning capacity. You will need to work closely with your medical providers and undergo all necessary testing so that you can understand your injuries and their long-term consequences. 

Contact an Accident Injury Lawyer

Negotiating with insurance providers requires the expertise to dodge their sophisticated tactics and apply pressure until they have no choice but to offer you a fair settlement. While anyone can act as their own representative in a personal injury case, it is difficult to manage such a fraught and complex situation without the help of a lawyer. We recommend getting in touch with a personal injury lawyer who will, at the very least, help you understand your legal rights and advise you on how to protect yourself. 

If you choose to hire that lawyer to represent you, they should do more than just manage negotiations on your behalf. They should confirm that you are receiving quality medical treatment, investigate the circumstances of your accident, preserve and obtain all evidence pertinent to your case, and allow you to focus on your recovery by offering you personal support in a stressful time.

Why FVF?

At FVF, we are committed to securing positive outcomes for our clients. We also want to equip anyone who may be unsure how to proceed with securing the resources they need to make informed decisions. In support of that goal, we offer free, no-pressure case consultations. During your consultation, we will discuss the unique circumstances of your case and the best strategy for securing fair financial recovery. 

No matter what step you decide to take after speaking with us, we hope to give you more clarity and confidence moving forward. Contact us today to schedule a free, remote consultation with an accident claim lawyer near you.

Latest Articles
How to Handle Disputed Liability in a Multi-Vehicle Crash in Austin

It can be difficult to determine who is responsible for paying for medical expenses and property repairs after any car accident in Austin. After a multi-vehicle crash involving three or more drivers, liability determinations can…

Can Subcontractors Sue for Injuries on Texas Construction Sites?

The average construction site in Texas involves multiple contractors and subcontractors who have been hired by the general contractor to complete specific tasks. If you get injured while working as a subcontractor on a construction…

Who Can Be Held Liable for a Construction Accident in Texas?

Construction is one of the most dangerous jobs in Texas. Every year, hundreds of construction workers suffer serious and fatal injuries in on-the-job accidents. Many of these incidents are preventable, leading to questions about the…

When Is a Government Entity Liable for an Austin Car Accident?

If you get into a car accident in Austin, you may assume that you can hold the individual driver who caused the crash responsible for paying for your losses. In certain situations, however, you may…

What Kind of Evidence Is Needed in an Austin Construction Accident Case?

Construction is a highly dangerous industry that sees a large number of annual worker injuries and deaths in Texas. Most of these devastating incidents are preventable and caused by someone’s negligence, or the failure to…

What Is the Difference Between Workers’ Comp and a Third-Party Construction Lawsuit?

A construction accident in Texas has the potential to cause significant injuries and deaths. In the aftermath of a harmful construction site incident, victims and family members may be able to collect financial compensation for…

What Happens if You Are Hit by a Driver Without a Valid License in Austin?

It is against the law to operate a vehicle without a valid and current driver’s license in Texas. Unfortunately, many drivers break this law and drive on suspended, revoked and cancelled licenses. Others drive without…

How to Handle Disputed Liability in a Multi-Vehicle Crash in Austin

It can be difficult to determine who is responsible for paying for medical expenses and property repairs after any car accident in Austin. After a multi-vehicle crash involving three or more drivers, liability determinations can…

Can Subcontractors Sue for Injuries on Texas Construction Sites?

The average construction site in Texas involves multiple contractors and subcontractors who have been hired by the general contractor to complete specific tasks. If you get injured while working as a subcontractor on a construction…

Who Can Be Held Liable for a Construction Accident in Texas?

Construction is one of the most dangerous jobs in Texas. Every year, hundreds of construction workers suffer serious and fatal injuries in on-the-job accidents. Many of these incidents are preventable, leading to questions about the…