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How do you negotiate a car insurance settlement for you car?
I filed a claim with my insurance after an accident. I was injured and my vehicle was totaled. I'm currently entering the negotiation stage of the process and I'm not sure what to do. How do I negotiate with my car insurance company?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Getting into an accident can be an incredibly difficult and stressful time. To alleviate additional stress, use these tips to negotiate with your
car insurance company
.First, gather all documentation relating to your accident, including:
- Medical bills
- Lost wages
- Police report
- Actual cash value of your vehicle prior to the accident
Use resources like
Kelley Blue Book
or Edmunds to find what the value of your vehicle is. If your insurance company offers you a low settlement, this cash value can soldify your request for a higher settlement amount.You can also write a demand letter. The demand letter should outline your reasoning behind the settlement amount you’re requesting. If you don’t feel confident writing this letter, enlist the help of a family member of even a lawyer.
After submitting this to your insurance adjuster, they will likely counter your offer. If you feel it’s fair, you can accept the offer. If you don’t, you can offer another number that you would feel comfortable settling for.
If you’re having difficulty coming to an agreement with your insurance company, you have other options. You could hire an independent claim adjuster or an attorney. An independent claim adjuster is an unbiased third party that can help solidy your case. An attorney can also ensure you’re getting a fair amount.
If you get a new car, consider shopping around for insurance. Rates can increase after a claim or accident, so you may be able to find a lower rate with another company. You can request quotes with insurance providers directly or use an app like
Jerry
.”View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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