How to settle with insurance company without attorney?

Question

Got hit by the car while riding a bicycle. The knee cracked, went to the hospital, got all the paper work and police report. Here only for the summer to work. now apparentely can not work anywhere until it heals. Is it possible to settle with the car insurance company for certain amount of money without getting an attorney involved. i know approximately how much i would accept. how do i negotiate it with them?

the other person with me got her neck broken, and taken on the hellicopter to another city. not sure what is going on with her right now....

Answer 1

You DO NOT get more money if you have an attorney.  In fact, you will get less since most attorneys will take 1/3.  The adjuster will offer you what the claim is worth.  

Anyway, you do not say where the incident occurred.  I assume that when you say  "the knee cracked",  you may have sustained a fracture.  If this is the case, you MAY be tort eligible.  The threshold requirements do vary from state to state.  A fracture usually allows you to pierce the threshold.

If the loss occurred in a No-Fault state, the vehicle that struck you may have Personal Injury Protection coverage(PIP).  This coverage will reimburse you for your medicals and lost wages(usually just a percentage of the expected gross).   This coverage pays regardless of fault.  

Once you have stopped treating, the adjuster or you, will secure all of the supporting documenation.  The claim will be evaluated based on the nature and extent of your injury, treatment, disability and permanency, if any.  If you have any liability, the evaluation will be reduced by your own comparative negligence.  In some states however, even if you are 1% liable you are barred from recovery.  

You can submit a demand for what you feel the claim is worth, and wait for an offer.   Continue to negotiate with valid points, not just "I want more for my injury".  You need to prove to the adjuster why you feel the claim is worth more.  Remember the adjuster knows what your claim is worth.  This is what they do for a living.

Answer 2

You can settle without a attorney, but usually you get more money with one.

If you have a figure in mind, tell the company you want 4 times that. They will always come back with a lower offer, so if you want, say, $10,000 and you say you want $40,000 and they offer $30,000 you're doing well.

Keep in mind, usually all your expenses have to come out of your settlement, such as hospital treatment, ambulance, any tablets you may have had that were subsidised, etc etc.

Answer 3

Don't be too quick to settle.  Just simply negotiate with the insurance company.  They will offer, you can make a counter offer, etc, etc.  It won't hurt to use the word "lawyer" with them occasionally.

Answer 4

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