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Insurance Negotiation Aid: Tips To Grab Your Best Possible Claims

Negotiating requires one to give and to also take. You should aim to create a courteous and constructive interaction that is a win-win for both parties. Ideally, a successful negotiation is where you can make concessions that mean little to you while giving something to the other party that means a lot to them. Your approach should foster goodwill, regardless of the differences in party interests.

In a negotiation, each party tries to convince the other to agree with his or her point of view. By negotiating, all involved parties try to avoid arguing but agree to reach some form of compromise. Negotiations involve some give and take, which means one party will always come out on top of the negotiation.

The insurance negotiation aid is the process that consists of back-and-forth communication between you and the insurance company’s claims adjuster. 

Why Insurance Negotiation Aid is Important?

Negotiation is very important regarding any sort of long-term plan. When two of the parties negotiate, this puts a positive long-term impact on their relationships. As both, the parties seek to obtain favorable terms and minimize risk factors.

Now suppose, you ran through an accident and your car is completely smashed. So, if you now claim the insurance for your smashed car, the insurance company will give you the settled amount for the damage which you and the adjuster had settled before. That’s why insurance negotiation is important because this insurance will come in handy when the unthinkable happens.

With the help of this article, you’ll be able to know the tips regarding this. And you’ll be able to get your best possible claims.

   1. Grab The Spot-Light of The Adjuster on The First Page.

It’s very important that you take attention to your claim in the very first page of your proposal settlement letter. 

The first page and a half should focus on what you’re claiming for and how you want your best claims to be executed. This page should focus on what you need and also why you need it. 

The first few paragraphs of your letter should talk about:

  • The desired and proposed amount of your settlement.
  • A brief description of your liability issues.
  • A short and effective summary of your injury or damages. (Try to be as emotional and authentic as possible).

           These whole points of yours give the adjuster the idea of whether he/she wants to read the complete file of yours. So make sure to strike with the first page of your letter while the iron is still hot!!!!

  2. Make Sure To Send A Video Or Audio If It’s A Big Claim.

Pieces of evidence will surely take any sort of case in your favor. So, when you are trying to claim your insurance, make sure to give all the possible evidence in your arsenal! This makes a claim more strong and effective.

For instance, if you crashed a very expensive car, and now you want to claim the insurance for it. Then it surely will butter the way to your favor if you provide a photograph of the crashed car and also a video of it.

And suppose you also suffered from injuries or any of your family members also got severely injured from it. Then you can also send them a piece of the photograph to assure them about your loss.

But make sure that before submitting your video or photograph evidence, you should always call your adjuster and ask whether it will be acceptable or not. And keep in mind that if it’s a video then the duration should be 20 to 30 minutes and at most 60 minutes (only if it’s a very serious case). But the shorter the better!!!

  3. Do Not Fake Your Problems.

It’s very natural for clients to exaggerate their problems and even talk about problems that don’t even exist.

Never do that!!!

Even if you see that there are certain things that you can explain in your letter then don’t just rush to explain it unless the adjuster asks you something. 

So, don’t raise the issues unless you have been asked cause then the adjuster might think that you are very needy for attention and it might backfire on you!!!

  4. Always Set a Response Time.

It’s your job to see whether you have got the response within the deadline that you have already mentioned in your letter or they have mentioned. 

Normally, you should be getting a response within three weeks but if that doesn’t happen make sure to follow with the adjuster by a letter and a phone call.

Another best way to do this is to call your adjuster within a few days after you have sent them your settlement proposal letter. Use this call as a confirmation that they have received your claim. And also make sure to ask them when you can come back to them.

Make sure to follow up with a short friendly call or letter instigating the response time in your head. If the adjuster does not respond by the date he promised, you already have laid the groundwork for a follow-up phone call.

I hope the article will help guide you through the best tips and ways you can grab your best possible settlement

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