How to Work with Your Insurance Adjuster: Negotiating Lost Wages After an Accident

LONGVIEW, Texas. If you’ve been injured in a car wreck in Longview, Texas, you may have many questions about how to pay medical expenses, lost wages, and pain and suffering damages. The costs of suffering a personal injury in a car accident can quickly add up. Medical expenses can result in serious financial burdens. Lost wages stemming from a personal injury can place additional financial strain on families. If you’ve been hurt in a car accident, the first place you’ll turn to seek a recovery will likely be a car accident insurance adjuster. Adjusters will look at your insurance policy, coverage, and the damages you’ve sustained in an accident to determine a recovery amount. However, adjusters sometimes offer you a lower settlement than you believe you deserve. If you believe you are not getting the settlement you need to pay medical expenses, lost wages, and other damages, the Cooper Law Firm may be able to assist you in getting the settlement you may deserve.

One of the difficult negotiations that may take place with an insurance adjuster relates to lost wages compensation. With more employees working non-traditional jobs, working for themselves, or working for commissions, determining a fair recovery for lost wages can sometimes be challenging. Insurance adjusters may initially choose to offer a low settlement based on lower estimates of earnings. According to Forbes, the best way to handle a claim for lost wages is to gather proper documentation early. For instance, pulling your tax returns for prior years can reveal annual income and estimated weekly incomes. Some individuals may speak to experts in their field to offer estimates of weekly earnings in commissions, sales, and wages. In some cases, individuals hire forensic accountants to estimate lost wages due to an accident. Bringing this evidence to an adjuster can help you should you need to argue your case. In some instances, individuals hire a Texas car accident attorney like the Cooper Law Firm to assist them in making negotiations with adjusters. In some cases, adjusters may make low initial offers based on formulas or company standards. With the right evidence, you may be able to recover much more.

There are many tools that can help individuals estimate hourly wages, even if they are not hourly workers. If you have had to miss work to go to doctor’s appointments, or to go to rehabilitation sessions, you may be entitled to be compensated for the time you’ve missed from work to make it to these appointments.

Finally, it is important that you take measures to protect yourself while you remain in negotiations with adjusters and your insurance company. According to Edmunds, more insurance adjusters are using social media like Facebook and Twitter to investigate claims. It is often wise to use social media with caution while making any claim. The simple act of changing privacy settings, staying quiet online, and limiting what friends and family post can make a big difference in the outcome of a claim.


By | 12:27 pm | Categories: Legal News | 0 Comments

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