The aftermath of an accident can feel like a whirlwind. You’re dealing with injuries, medical bills, lost income, and the emotional toll of the experience. Then, the insurance adjusters start calling, wanting statements and asking you to accept a quick settlement. It can be tempting to just take what they offer and move on, but is that the best decision for your future?

At Bart Bernard Injury Lawyers, we’ve been helping injury victims in Louisiana for 30 years. Our promise is “I’ll be with you every step of the way,” and that includes guiding you through the often-complex process of negotiating with insurance companies.

Why You Need to Negotiate with Insurance Companies After a Personal Injury

Insurance companies are businesses. Their goal is to make money, and that means minimizing payouts on claims. They have teams of adjusters and lawyers whose job is to protect the insurance company’s interests, not yours.

Here’s why you need an experienced personal injury lawyer on your side when negotiating with insurance companies:

• They often start with lowball offers: The initial settlement offer is usually far less than what your case is actually worth.
• They use tactics to undervalue your claim: They may try to downplay your injuries, dispute liability, or use confusing legal jargon to confuse you.
• They may pressure you to settle quickly: They know that the longer your case drags on, the more it might cost them. They may try to pressure you into accepting a quick settlement before you fully understand the extent of your damages.

How to Negotiate with Insurance Companies After a Personal Injury

Negotiating with insurance companies requires skill, knowledge, and a firm understanding of your rights. Here are some key strategies:

• Don’t Give a Recorded Statement: Politely decline to give a recorded statement to the insurance adjuster until you’ve spoken to a lawyer. Anything you say can be used against you later.
• Gather Evidence: Collect all evidence related to your accident and injuries, including:
  • Police reports
  • Medical records and bills
  • Witness statements
  • Photos and videos of the accident scene and your injuries
• Calculate Your Damages: Accurately assess the full extent of your damages, including:
  • Medical expenses (past and future)
  • Lost wages (past and future)
  • Pain and suffering
  • Emotional distress
  • Property damage
• Don’t Accept the First Offer: The initial settlement offer is almost always too low. Be prepared to negotiate for a fair settlement that reflects the true value of your claim.
• Be Prepared to Counter: Present a strong counteroffer with evidence and legal arguments to support your position.
• Consider Mediation: Mediation is a process where a neutral third party helps you and the insurance company reach a settlement. It can be a good option if negotiations are stalled.
• Be Willing to Go to Trial: If the insurance company refuses to offer a fair settlement, be prepared to file a lawsuit and take your case to trial.

Statistics: The Importance of Legal Representation in Personal Injury Cases

• Higher Settlements: Studies show that injury victims with legal representation receive significantly higher settlements than those who handle their claims alone. One study found that clients with lawyers received settlements 3.5 times larger than those without. (Insurance Research Council)
• Faster Resolutions: Having a lawyer can help expedite the claims process and avoid unnecessary delays.
• Reduced Stress: A lawyer can handle the legal complexities, allowing you to focus on your recovery and well-being.

Bart Bernard Injury Lawyers: Your Advocate in Personal Injury Cases

At Bart Bernard Injury Lawyers, we have a proven track record of success in negotiating with insurance companies and securing favorable settlements for our clients.

• 30 Years of Experience: Our 30 years of experience in Louisiana give us a deep understanding of the state’s laws, insurance practices, and negotiation tactics.
• Compassionate Representation: We understand the challenges you face after an injury and provide compassionate support and guidance throughout the legal process.
• No Fee Unless We Win: We work on a contingency fee basis, meaning you don’t pay us anything unless we win your case.

Don’t Face the Insurance Company Alone

If you’ve been injured in an accident, don’t try to handle the insurance company on your own. Contact Bart Bernard Injury Lawyers today for a free consultation. We’ll fight to protect your rights and secure the compensation you deserve.

Remember, you don’t have to navigate this difficult journey alone. We’re here to help you every step of the way.