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Step by Step Guide to Negotiating with Insurance Companies

Dealing with insurance companies after being involved in an accident is usually a nightmare. Luckily, we have some helpful tips for you when negotiation with those pesky insurance companies.

After Accident Checklist

Accidents are scary and can be very overwhelming. That is why it is important always to remember what to do after being involved in an accident. Yes, we understand that your mind is probably racing after an accident, but do your best to remember these important steps.


– Receive any medical care needed. Even if you don’t think you have been injured, you should be checked out immediately

– Call the police. You will want them on the scene to fill out the proper report

– Jot down other party’s insurance information

– Inform your insurance of the accident

–      Call experienced auto accident lawyers in Philadelphia to help you start your claim

The Accident Claim 

When dealing with a personal injury claim and negotiations with an insurance company after an accident, it is important to remain patient and make sure all of your i’s are dotted and t’s crossed.

How do you do this? With the proper documentation!

Important documents include legal records, medical records, witness statements, and a log of conversations with your insurance company to keep track of everything. Remember, insurance companies try to take advantage of victims all the time, so don’t let them!

Dealing with Insurance Companies

It is up to you and your attorney to calculate a fair settlement based on medical expenses, property damage, if any, expenses for any related care, amount of income lost, expenses for long-term medical care, and pain and suffering. Send a letter to your insurance company with this calculation and explain where you got the number from. Don’t be afraid to reach out to them if you haven’t heard back from them promptly. Avoid accepting the first offer, which is usually too low. More times than not, you will have to fight for what you deserve. Staying organized and persistent can help you receive the settlement you are entitled to!

Deborah Williams
Snowboarder, foodie, ukulelist, vintage furniture lover and identity designer. Making at the intersection of minimalism and mathematics to create strong, lasting and remarkable design. I work with Fortune 500 companies and startups. Award-winning beer geek. Twitter fan. Social media scholar. Incurable travel advocate. Alcohol expert.