After you have been involved in a truck accident, you need to work carefully with your car insurance company and your truck accident attorney in order to ensure that you get a fair settlement. It takes work to get a fair settlement, so you need to educate yourself on what you and your attorney need to do before you begin the settlement process with your auto insurance provider.
#1 Be Ready to Negotiate
First, you need to be ready to negotiate and prove your case. Don't expect the insurance company to bring a fair offer to the table to start with. The insurance company is first going to try to protect your bottom line and offer you the smallest settlement that they think is reasonable based on the information that they have.
Expect to be disappointed by the first settlement offer that your insurance company brings to the table. This is where your and your attorney's work really begins. It is up to you to reject the offer and provide a detailed counter-offer.
#2 Inform Your Attorney of Your Full Medical History
Oftentimes, insurance companies will try to prove that your medical issues are not their fault. Instead, they try to put some of the blame on you for your injuries and current medical condition. They are going to try to reduce their responsibility for your medical care.
That is why you need to make sure that your attorney has access to your full medical history. Do not hide any medical conditions or previous accidents or injury from your attorney or the insurance company. When you are open and honest about your medical history, it is easier for your attorney to defend you and show that your injuries are connected to your accident.
#3 Keep Track of All Medical Care
When going after a settlement, you need to make sure that you keep detailed records of your medical care. To start with, you are going to need to provide a list of all the doctors you have seen. You need to note what happened at each appointment and get the doctor's medical records for your appointment as well.
Next, you need to keep track of all medications that you take and all physical therapy that you do on your own at home. It is best to keep a daily log. Be sure to note if you had to make a meal or delay a meal in order to take your medication. This is part of showing how your injuries and medical care impacted your life.
Keep a journal as well that details how your medical condition has impacted your life. Do you need to sleep longer? Are you not getting enough sleep? Do you need more more help with every tasks? Are you not able to participate in leisure activities that you normally would do?
The more detailed information that you collect over the course of your treatment, the better argument you and your attorney are going to be able to present to your insurance company for a fair settlement offer.