How to Negotiate a Wrongful Death Claim with an Insurance Company
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When a wrongful death occurs, regardless of whether it is as a result of a car accident or any other incident, this can lead to a very difficult time for all involved. Of course, the person who caused the accident in the first place must take on responsibility for the accident and pay the consequences.
The people who end up feeling the pain from the incident the most, however, are the victim’s immediate family members and close friends. Dealing with the sudden and unexpected death of a loved one is difficult enough, but finding out that the accident was caused by another person and could have been prevented can make this an especially devastating event.
If you have lost a loved one due to another’s negligence or carelessness, call Zinda Law Group at (800) 863-5312 for a free consultation with an experienced wrongful death attorney.
What to Expect in a Negotiation with an Insurance Company
Wrongful death lawsuits rest on the fact that surviving family members have been financially or emotionally impacted by the deceased’s death. In most cases, whether the death was caused by malpractice, a negligent driver, or a work accident, the at-fault party will have an insurance policy that covers wrongful death. It’s for this reason that most wrongful death settlements eventually hinge on the amount of wrongful death insurance coverage the at-fault party has in their policy. If the damages you suffer far exceeds the available insurance coverage, you may have to go to court and attempt to collect what you can of the remaining amount from the at-fault party’s personal assets.
Settlement discussions with an insurance company often happen prior to a lawsuit being officially filed. To make these discussions as effective as possible, it’s important to complete an initial investigation and to gather all the relevant facts. Securing a fair settlement is much easier when evidence that clearly shows who was at fault has been collected.
However, insurance companies are businesses and will do everything in their power to pay you as little as possible. Knowing that many people are inexperienced, insurance companies may attempt to get you on the record saying something that hurts your eventual claim. When speaking to an adjuster, be careful and don’t share more information than you absolutely must. This includes refraining from making settlement offers or counteroffers before you know how much your claim is realistically worth.
The strength of the evidence will affect how much an insurance company offers and at what point they make their first settlement offer. When it’s evident that the insured party is responsible for the death, the first settlement offer will often come very early. The insurance adjuster is hoping that you accept this first offer before you know how much you can realistically expect.
Do I Need a Wrongful Death Lawyer?
On top of the tragedy, surviving family members are experiencing, thinking about hiring a lawyer can be the last thing on their mind. However, declining to hire a wrongful death lawyer is risky considering your lack of experience relative to the insurance company.
You should never decide against hiring an attorney in a wrongful death case because of a lack of money. Typically, experienced wrongful death attorneys will accept your case on a contingency fee basis, which means that you don’t have to pay them anything until your case settles.
Our Wrongful Death Attorneys Will Fight the Insurance Company for You
Negotiating a settlement with an insurance company can be frustrating, but the experienced attorneys at Zinda Law Group are well prepared to ease your burden. Our skilled wrongful death lawyers are highly experienced in dealing with insurance companies, and we have the knowledge and resources necessary to help you build the best case possible and to seek the maximum compensation you deserve under the law.
While no amount of money could ever make up for your loss, recovering the damages you deserve can help protect your family’s financial future. And as one of our clients, you will pay nothing unless we achieve a favorable settlement, judgment, or verdict for your wrongful death case. That’s our no-fee guarantee.
If you have lost a loved one in an accident, call Zinda Law Group today at (800) 863-5312 for a free consultation with one of our skilled wrongful death lawyers. Meetings with attorneys by appointment only.