How Do Personal Injury Lawyers Negotiate With Insurance Companies?

Categorized: Personal Injury

Personal injury attorneys use their deep understanding of the law to negotiate with insurance companies and their adjusters.

A personal injury attorney must be able to demonstrate the value of your case and its strengths while fighting to protect your right to compensation. This is necessary to demand a fair payout because it shows the willingness to take the case to court if a fair settlement is not reached and the confidence to win at trial.

Preparing to Negotiate With the Insurance Company

While your attorney investigates your case to learn more about what happened, prove negligence, and document your expenses and losses, the insurance company will be doing the same thing. They will assign an adjuster to your case who will collect evidence designed to limit the insurance company’s total liability.

At Cordisco & Saile LLC, we prepare every case like we are taking it to court. This requires us to build a solid case with enough evidence to prove fault and legal responsibility. In addition, we will completely document your economic damages and collect evidence that supports the value we assign to your noneconomic damages like pain and suffering.

The Personal Injury Settlement Negotiation Process

Once your personal injury attorney has built a strong case on your behalf, they will issue a demand letter to the insurance company. This letter will include:

  • A payout amount your attorney believes is fair
  • An overview of the facts of your case
  • An explanation of your expenses and losses

By sending this type of letter, your attorney has set the starting point for negotiations in the range they believe is fair based on the case they built. There are three possible outcomes after sending a demand letter: 

  • The insurance company agrees to pay the amount demanded;
  • The insurance company refuses to pay anything; or 
  • The insurance company makes a counter-offer, usually significantly lower than the demand

This third possibility is, by far, the most common. The adjuster will counter-offer and this kicks off what could become many rounds of back-and-forth offers. If your attorney can reach an agreement that falls into the fair settlement value range they calculated, an out-of-court settlement is possible.

If the insurance adjuster refuses to come to an equitable settlement, you may need to file a personal injury lawsuit and take the case to court. In some cases, filing the suit is enough to convince the insurance company to up its offer. They do not want to go to court, spend thousands on legal costs, and still have to pay out to cover your injuries after we win.  

Cordisco & Saile LLC Can Pursue a Fair Payout in Your NJ or PA Personal Injury Case

If you suffered injuries in a personal injury accident in New Jersey or Pennsylvania, the attorneys from Cordisco & Saile LLC can help. We regularly recover large payouts for our clients and have decades of combined experience navigating personal injury negotiations. We also have four offices throughout Bucks County, PA, where we can meet with you. This includes:

  • Bensalem
  • Doylestown
  • Newtown/Langhorne
  • Bristol

We can also meet with you in the hospital, your home, or another location convenient for you. If you choose to work with us following your no-cost initial consultation, we will launch our investigation into your accident and injuries and seek documentation of your losses and expenses.

We recommend letting us review your case even if the insurance company is already sending you offers for a settlement. Never sign anything from the insurance company representing the at-fault party unless you let an attorney review it first. You could be leaving thousands of dollars on the negotiating table unless you have a full picture of your damages.

Talk to a Personal Injury Attorney About Pursuing a Settlement

At Cordisco & Saile LLC, our team of personal injury attorneys can pursue the compensation you need and deserve after an injury accident in New Jersey or Pennsylvania. You will not pay any attorney’s fees until we recover a payout on your behalf. 

Call 215-642-2335 today to discuss your case with a member of our team.

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