How do I deal with the other person's insurance company if they have accepted responsibility of the accident?

Question

My car was hit road side and spun 90 degrees. At the time, I didn't think I was hurt. By that night, my lower neck and lower back had pain that I'd never had before. Also my left knee was hurting.  I've been to the doctor and he said we will wait for a bit before doing any MRIs.  I know I will need the MRIs as the pain has not lessened.  After the MRIs, how do I deal with the other person's insurance company? They have accepted responsibility for the accident.Their driver was on marijuana at the time of the accident.

Paul Whitfield · Answer

You need to get all the medical care you need and you need to get a good PI lawyer to help you evaluate your situation. You cant get along very well dealing with insurance pros. They are trained to take advantage of your ignorance of how things work. Get a lawyer

Alexander Gilburg · Answer

My advice is hire an attorney to deal with the insurance company.  Of course, you can try doing it yourself, but you will be at a substantial disadvantage, and probably will not be able to obtain the full value of your case.  Remember, the insurance company's goal is to pay you as little as they can get away with.  Don't let them do it to you.  Get professional help.

Ronald A. Steinberg · Answer

If you are smart, you will not deal with the insurance company.  You will hire a lawyer to do it.  I promise that if you do it yourself, you will screw it up, and/or you will not get what you are entitled to get.

Gregory Janks · Answer

In Michigan your car insurer pays for your medical testing and  treatment (also wage loss and replacement services). The other parties  insurer(s) pays for any pain and suffering if you prove you suffered a  serious impairment of a body function and/or permanent serious  disfigurement. The value of this latter claim is not subject to specific  quantification and depends on a number of variables. Although you can  certainly try to handle your own claim, it is usually best to consult  Michigan counsel that regularly handles such cases for more advice and  most probably to represent you.

James Eugene Hasser · Answer

If it looks like you are going to need p.t. and mri's and lose time from work, you may want to consider talking with a personal injury lawyer. It can get complicated. There are free books for consumers on Alabama accident law you may want to look at to get an idea of the issues you would have to deal with if you try to do it on your own. Just Google it.

Arman Moheban · Answer

You need to retain a professional attorney who will send you for medical attention on lien basis.

Alexis Anne Plunkett · Answer

In Nevada, due to the other driver's marijuana use, this case could easily involve punitive damages.  You need to insist on an MRI, as the pain has not subsided.  You should consult with a personal injury attorney as soon as possible, but do not feel pressured to choose an attorney before you are ready.  Pick an attorney with whom you are comfortable, and let your attorney deal with the insurance company.  This sounds like a case that is unlikely to settle without a complaint being filed.

Gary Platt · Answer

DO NOT try to deal with the other driver's insurance company  yourself.   They have lawyers who know exactly what to do and approximately  what your  case is worth when the case is ripe for settlement.  You have NO  chance of  getting what you should get in settlement if you deal with them  directly.  You   have plenty of time, and you should NEVER even think  of trying to settle  your case until you have either obtained all of the  treatment you will need  or at least know what that treatment will be, how much  it will cost, and  what your long-term prognosis will be.  Find yourself a  good personal injury  lawyer (interview at least two, from different firms, and  hire one who  answers all your questions to your satisfaction).  Your lawyer  will tell you  exactly what you need to do, find you one or more doctors, if you  need them,  get professional opinions on what specific injuries you have, which  can be  treated and how, and what the long-term effects of your injuries and   treatment will be.  Only when all this has been done can your lawyer  analyze all  the facts and come up with a range of values for your case and how  you  should go about trying to settle the case, if settlement is possible, or  file  a lawsuit and proceed from there.

Monica Cecilia Castillo-Barraza · Answer

The other insurance carrier will try to settle the claim with you, if you have made a claim with them. If you don't agree with their settlement offer, then in calif you have 2 years from the injury date to file a lawsuit, if you choose to go that route.

Matthew Kaplan · Answer

You should retain an injury attorney and not talk with the at fault driver's insurance company.  They will low ball you on the offer to settle.

Keith S. Franz · Answer

Make sure to get all of your records and bills.  You would likely also benefit from physical therapy so ask your doctor about that or see another doctor who specializes in trauma (an orthopedist or physical medicine/sports rehab doctor).  Then total the expenses, including any out of pocket expense for medication, lost wages, etc. and add an amount for pain and suffering.  If they do not agree to your calculation then hire an attorney to obtain a fair settlement or sue for your damages.

Eric Haag · Answer

You provide the insurer with a settlement demand or you hire an attorney with personal injury litigation experience.

Loren Lambert · Answer

Don't talk to them yourself. If you insist on not hiring an attorney, just provide them with all med records and bills. Ask them for an offer. Then consult with an attorney to see if he or she, thinks they can do any better. I take my contingency on what I get above the offer.

J. Michael End · Answer

I think you should find a lawyer near you who represents injured people in personal injury cases.  The determination of what fair compensation is for a particular case involves knowledge such lawyers have.  If you try to handle the case without a lawyer, you might settle the case for a lot less money than you should. The time within which a lawsuit must be filed is three years from the date of the accident, so keep that deadline in mind.

Hamed Yazdanpanah · Answer

There are multiple ways you can approach this.  There are also many questions that we need answered before I can reply, such as when the accident occurred, who the carrier is the amount of property damages etc etc.

William Rawlings · Answer

The responsible party's insurance company should compensate you for  your out of pocket expenses, wage loss and general pain and  inconvenience.  They do not have to pay the medical bills directly.  You  will not want to negotiate a settlement until you have been completely  released from your treating doctors. Generally, clients will retain an  attorney to deal with the Insurance company and to handle all the  medical providers who are holding their hands out for payment.  If you  do not have private medical insurance to pay your bills until your case  settles, your attorney should set up liens with your doctors to avoid  sending your accounts to collections.

John Brennan · Answer

In Michigan you will make a claim on your insurance policy.

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How do I deal with the other person's insurance company if they have accepted responsibility of the accident?

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