Did you suffer an injury in an accident of any kind? Injuries can easily cause you to miss time at work, school, and trouble caring for your family. There might not be enough coverage available from your health insurance policy that could wind up sending you into a financial tailspin. If so, you have the option of filing a personal injury claim against the at-fault party for your injuries. Today, let’s take a look at how the insurance adjuster goes about selecting a settlement value for your claim so you can prepare for the process and not encounter any surprises.
Your Story in Collingswood, NJ
The most important part of a personal injury claim is the presence of an injury. You will need to provide some sort of story about what happened. This information needs to be submitted to the adjuster in one way or another. For starters, the adjuster will request all medical records and the police report associated with the accident that led to your injury. This is one way the adjuster will be able to get your story. The adjuster might also reach out to you personally. Make sure you do not speak with them unless your attorney is present.
Investigate the Insured in Voorhees, NJ
The adjuster’s main job in the entire process is to investigate the insured. The adjuster will want to find a reason to either deny your claim or approve it at a lower payout value than you requested. The investigation conducted by the adjuster will include various sources of information, including all of the official reports associated with the accident, interviews with doctors and witnesses and a deep look at your social media accounts. The adjuster will look at all of your social media posts from right before the accident to well after it. This helps them determine if you are lying about your injuries.
Arriving at a Value in Cherry Hill, NJ
After the adjuster interviews witnesses, reviews documents, and investigates your personal life, he or she will arrive at a value for the settlement offer. The adjuster must take into account two important possibilities: the chances you have to win the case if it goes to trial and the amount of award a jury might give you. The damages in a personal injury claim are also divided into two categories: exact calculation and inexact calculation. Exact calculation damages are those with a finite number, such as medical expenses and other bills. Inexact damages are those that do not have a finite number, such as pain and suffering and loss of consortium
The Offer and Next Steps in Winslow, NJ
Once the adjuster comes to a value he or she will submit the offer to your attorney. You do not have to accept this initial offer if it is not in the range in which you were looking. If you decide to accept the offer you can, but it will remove your right to go to court. If you decline the offer you can do so with a counter or simply wait it out and go to trial.
Contact a Haddonfield Personal Injury Lawyer to Discuss Your Car Accident Case in New Jersey
Did you or a loved one sustain serious injuries due to a car accident in New Jersey? Don’t let the medical bills pile up while you wait for the negligent party, or their insurance company, to do the right thing. Right now, you need an aggressive personal injury attorney on your side, fighting to get you the compensation you need, want, and deserve. The skilled attorneys at The Law Offices of Andres & Berger, P.C represent clients injured because of a motor vehicle accident in Haddonfield, Cherry Hill, Collingswood, Haddon Township and throughout NJ. Call 856-317-6558 or email us to schedule a free consultation about your case. We have an office conveniently located at 264 Kings Highway East Haddonfield, NJ 08033.
The articles on this blog are for informative purposes only and are no substitute for legal advice or an attorney-client relationship. If you are seeking legal advice, please contact our law firm directly.