You can file a request for compensation after an accident to begin negotiations with Travelers insurance company. The negotiation process will require you to explain your losses and show that a party insured by Travelers caused your losses.
You may need to assess any settlement offers made by Travelers and deal with tactics designed to minimize your compensation. Fortunately, you do not have to deal with this process alone. You can hire an Indianapolis personal injury lawyer to handle negotiations on your behalf.
Getting help from a personal injury law firm can give you the support you need to confidently deal with insurance negotiations after an accident.
File a Claim After Your Accident to Start Negotiations
Many insurance companies – including Travelers – expect you to file a claim quickly after an accident. You should tell your insurance company as soon as possible to establish when, where, and how the accident occurred.
You may have more time to file a claim with the insurance company representing the at-fault party. In fact, your insurance company may handle this procedure in some cases. You can also rely on a lawyer to file a claim.
A lawyer can also explain how to negotiate with Travelers insurance company so you feel prepared for the process. The company has operated for over 165 years, and understanding more about Travelers history can help you during negotiations.
Your Case Will Get
The Attention It Deserves
Prepare to Present Evidence During Negotiations
During insurance negotiations with Travelers, your lawyer may need to present evidence that the company has a responsibility to pay for your losses. Evidence may include:
- Official statements from any eyewitnesses
- Copy of the official police report
- Pictures and videos of your accident
- Statements from expert witnesses
You should also prepare evidence that shows the full extent of your economic and non-economic losses. For example, you may need:
- Records or statements from your doctor
- Bills for the repair shop for any property damage
- Information about your lost pay
Insurance companies may take advantage of you by trying to downplay your losses. Fortunately, you can rely on an attorney to level the playing field and represent your best interests while you focus on your recovery.
Make Sure You Understand the Value of Your Losses Before Negotiating
It’s vital that you know the value of your losses before heading to the negotiating table. Understanding the likely value of your case can help you avoid accepting a subpar settlement offer.
Depending on your circumstances, a settlement may need to cover your:
- Emergency treatment and ride to the hospital
- Time in the ICU
- Medical tests and procedures
- Medications and physical therapy
- Lost earning potential
You can review the full scope of your losses with a lawyer when learning how to negotiate with Travelers insurance company.
What Should You Avoid During Travelers Insurance Negotiations?
It’s essential to avoid any acts that could weaken your claim during negotiations. Your lawyer may advise you to:
Avoid Admitting Fault
You should not admit fault for an accident caused by another party’s actions. Any admission of fault can prevent you from securing compensation. Even apologizing at the accident scene can impact your claim.
Avoid Giving a Recorded Statement
The insurance company representing the at-fault party may try to get you to provide a recorded statement. They can twist your words and use these statements against you, so only give one if your lawyer approves of the idea.
Avoid Speculating About Your Accident
Guessing about the causes of your accident can damage your position during negotiations. Lawyers recommend that you only talk about the facts and the proof you have about negligence.
Learn more about how to negotiate with Travelers insurance company and what actions to avoid with your lawyer.
Consider All Settlement Offers Carefully
During the negotiation process, Travelers may send you settlement offers. Your lawyer can assess each offer to see if it covers your losses. If so, your lawyer may advise you to accept the deal, resolving your claim and bringing you compensation.
What Happens if You Can’t Settle Through Negotiations?
If Travelers refuses to agree to a fair settlement your Indiana auto insurance claim lawyer may discuss filing a lawsuit against the at-fault party.
Filing a lawsuit gives you another option to secure compensation to cover your losses. Suing the responsible party may cover your medical bills, lost pay, pain, emotional suffering, and mental anguish.
Note that you only have a limited time available to resolve your claim. Therefore, the professionals recommend that you reach out to a lawyer to discuss your options immediately.
Talk to Us About Negotiating with Travelers Insurance Company
So, how do you negotiate with Travelers insurance company? You’ll need to file a claim, support your request for compensation with evidence, and carefully review any settlement offers.
You don’t have to handle this process alone. Instead, you can work with our team at Vaughan & Vaughan. We have over 110 years of experience and are ready to discuss your needs when you call or complete our online contact form.
