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Negotiating with a Wilmington Insurance Company

There are many different insurance companies in Wilmington that motorists can choose from when they buy auto insurance policies. Some of the many insurance providers serving this area include GEICO, North Carolina Farm Bureau, Auto-Owners, Titan, and Allied.   contract-signing-1474333

When purchasing automobile insurance, motorists must have bodily injury liability coverage, property damage liability coverage, uninsured motorist coverage, and underinsured motorist coverage.  These policies will pay out to victims if a policyholder causes a crash, or to victims who were injured in a crash by someone who had insufficient insurance or no insurance.

Negotiating with a Wilmington Insurance Company

If someone hurt you in an accident, you are going to have to negotiate with an insurance company in order to get compensation for your injuries. The process can be complicated, as you may be disputing liability (who was at fault) as well as the appropriate amount of compensation for damages. During the negotiation process, you should:

  • Understand who is responsible for covering losses. Unless you've purchased optional coverage, such as collision and personal injury coverage, you won't have insurance to pay for your losses if you caused the accident. If someone else caused your accident, you should be negotiating with that driver's insurer to recover under their bodily injury and property damage liability coverage. If the person who caused your accident had too little insurance or no coverage, you will be negotiating with your own insurer to recover under your uninsured or underinsured policy.
  • Assess the extent of your damage. You should be "made whole," or compensated for medical costs, wage losses, pain, emotional distress, and other actual financial and non-economic losses. You should get an idea of what your case is worth before you start the negotiating process.
  • Send a demand letter. When you know the value of your case, you should send a demand letter to the insurer who is responsible for covering your accident.  Let the insurer know what you believe your case is worth and how much compensation you are entitled to.
  • Consider countering the counteroffer. An insurer is probably not going to accept your demand, but will instead come back with a low-ball offer to try to get you to settle. You likely shouldn't accept the first offer, as back and forth negotiations could make your compensation go higher. However, whether to accept depends upon the amount offered and the specifics of your situation.
  • Assess your situation carefully before signing a liability release. When you do successfully negotiate a settlement, you have to sign a release of liability and won't be able to make further claims. Think carefully before you sign to ensure you are actually being compensated for all losses.

An attorney can guide you through the negotiation process, deal with the insurer on your behalf, and help you to make sure you negotiate effectively to maximize the chances of being fully compensated for damages.

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Law Offices of Richard Flexner

3805 Oleander Drive
Wilmington, NC 28403

Phone: 910-794-3221
Fax: 910-794-3144
Toll Free: 800-353-9637

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Client Testimonials

Satisfield Client - by Anna Rabito June 28, 2013
5/5 stars
Since the day I agreed to be represented by Rich at Flexner Law Firm I had confidence that my personal injury case would be handled with utmost respect and knowledge of the law. I got all that plus some. So I'll close by saying this, Flexner Law Firm and Associates are my heroes. They fought hard for my rights and we won.