What do most people recieve for a settlement?

by Kristina
(eugene,OR,USA)

I was waiting for traffic to pass, had blnker on was waiting to make a left turn. I was rear-ended by other driver who said "Did not see me". Speed was 35mph, and swerved and damaged both cars and I had personal injuries. Went to Emergency room that evening, took x-rays had physical therapy for 2 months and now the insurance is ready to settle the claim.
I am wondering, what is the claim amount i should be persuing?


Hi there, Michelle here...



Before I answer your question, I would like to say a few things...The insurance company does not get to decide when you settle. YOU always are the one to decide.

The reason for this is because only you and your doctors know when you are finished treating and your injuries are healed. If you are finished and no longer in pain, and your therapists support that as well, then yep it’s time to settle.

I would say two months after a rear-end accident in which you were hit around 35mph, that likely your injuries may need just a bit longer to heal. However, if you are out of pain and back to all your normal activities, that is all that matters.
So, settlement. Always the most complicated question.

The starting point is generally 3x the medical bills. This is a place for you to start with an offer. It is always easier to start high and come down, but if you start to low with your offer, its just very hard to go higher. If the insurance company starts with an offer, it will be their lowest one.

So, know you can always go up. It is a negotiation, not a black and white number. The insurance company will tell you they cannot go any higher and try to make you feel guilty, or they can try to make you feel like you are greedy or any number of festive tricks to force you to take a smaller settlement.

So, have a number in your mind which will make you happy that is lower than 3x the medical bills and higher than your grocery bill. Work to get the company to this number. If you feel that they are not being reasonable, or they are not budging, then it is time to talk to a lawyer.

A consultation with a lawyer is always free, and easy. Although I don’t think in your case you will need one, I am including a link to finding a lawyer here, just in case someone needs one who is reading this.

click here, scroll down just a bit and fill out the form.

I hope this helps a bit, good luck! M.

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Michelle, quite satisfactory answer! Insurance companies always claims after you get fully
recovered and always try to make the settlement with a lower amount. So it would be smart enough to have a fixed amount in your mind. Insurance is just not for human but for our vehicle, houses, property and for our pets also to get covered for the future. Thanks for your link for advocate but I don't think I'll need for any lawyer. I too want to add here a link for Pet insurance benefits so that along with your own you can be watchful for your pets health issues.

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by: Anonymous

Hi, I was rear ended a few days ago,it was a hard hit.My car didint have to much damage, although it needs to be inspected. Hers did have alot of damage and needed a tow truck.Heres the issue, I told her and the insurance adjuster (over the phone I said I had no injury)Well, I am now feeling injured enough that I cant do my normal routine. I workout frequently so I know if I get an injury. my right shoulder/neck area hurts badly. Now do we call the adjuster and let him know before going to doctor? Also, can the injured receive a Check for ALL auto and bodily injury sent to them? Ive never been injured before in accident or rear-ended. Thank you.

May 31, 2014
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In Negotiations NEW
by: Anonymous

Hello,
I was hit from behind by a left-hand turner. I went to emergency and was prescribed medications. I have a pre-existing medical condition that is aggravated by high blood pressure or stress. I made a tentative offer to the insurance company that was low. Naturally, they jumped on it and I tentative agrees (but have signed nothing).
The offer was for the cost to repair my vehicle, but nothing for physical pain. The release is in the mail. I want to renegotiate for bodily injury. And I within my rights to do so and how likely will they agree to up the ante.

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