The aftermath of a car accident can be confusing, stressful, and challenging for victims and their families. You may be facing high medical and rehabilitation costs. You may have to miss time from work while you recover. Families sometimes struggle to make ends meet during this challenging time. You may be speaking to insurance adjusters who may be offering you a settlement for your claim. Do you know what your claim is worth? Do you know when to settle or when to fight? Do you know that you may be entitled to collect money not just to pay past medical expenses and lost wages, but also for future medical expenses, pain and suffering, and lost wages.

Calculating the value of a claim and negotiating with insurance adjusters can be a complex process. Laborde Earles: Injury Lawyers are auto accident attorneys in Baton Rouge, LA who can fight to help you get the maximum compensation permitted under the law. Contact our firm today to learn more about your rights.

Dealing with Insurance Adjusters After a Car Accident

 If you’ve been in an accident, you will most likely make a claim with your insurance company. If the accident was not your fault, it is important to get a police report to document the facts of the crash and to support your claim. In most instances, if the accident was not your fault, you’ll you may be able to avoid increases to your premiums. However, individuals who have been in accidents may face challenges when negotiating with insurance adjusters.

For instance, if your car was totaled, you may be offered an amount of money that doesn’t cover the cost of replacing your car. Why does this happen? Your insurance company may use a database to determine the cash value of your car. This value takes into account depreciation. This means that it may cost more money to replace your car with a new one than your insurance adjuster may be willing to offer for the value of your car. What can you do if you feel that your adjuster is offering you a recovery that is lower than the actual cash value of your car at the time of the accident? You can look at the blue book value of your car or look at advertisements for cars in your community of a similar make or model. By offering specific proof, you may be able to adjust your recovery.

Sometimes individuals don’t agree with the amount of money an insurance adjuster is offering to cover medical expenses and lost wages. Here, it helps to understand the terms and limits of your policy. Some policies have caps on limits. If you are self-employed, work for commission, or on contract, you may have to furnish your adjuster with additional proof to substantiate lost wages. Otherwise, you run the risk of your adjuster using a very general estimate, which may result in a lower offer.

If you don’t believe you are getting the recovery you deserve from your adjuster, you may wish to speak to the Baton Rouge, LA car accident attorneys at Laborde Earles: Injury Lawyers. Our firm can review your case, help you understand the value of your claim, and review your insurance policy. We can fight for your rights inside or outside of court.

Negotiating a Settlement with Negligent Parties

If another person’s negligence or neglect resulted in your accident, you may seek damages for medical expenses, lost wages, and pain and suffering from these persons or companies. It is helpful to have a fair estimate of the value of your case as you seek a settlement. Your Baton Rouge, LA car wreck lawyer will review your expenses and losses and write a demand letter to negligent stakeholders. Laborde Earles: Injury Lawyers can look at all factors involved in your accident to see that all negligent parties are held responsible.

Sometimes more than one person is at fault in an accident. For instance, if there was road construction going on at the time, the accident may have been the result of poor signage or road problems. If you were involved in an accident with a truck driver, the truck company or shipper may also be responsible. Laborde Earles: Injury Lawyers are auto accident attorneys in Baton Rouge, LA who can help you fight for the maximum recovery possible under the law.

Protect Your Rights 

Louisiana’s statute of limitations laws may place limits on how long you have to seek a claim or recovery under the law. Time is of the essence. Contact the car accident attorneys at Laborde Earles: Injury Lawyers in Baton Rouge, LA today. Our compassionate and caring lawyers will offer you a free initial consultation. We can help you understand your rights and navigate legal challenges after a car wreck.