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You Can Negotiate a Settlement. Here’s How

Most personal injury settlements are negotiated with insurance companies. If you’ve been involved in a car or other accident, you can seek compensation for financial losses and pain and suffering. Negotiating a settlement is difficult, however, and few insurance companies make generous offers without some serious prodding.

How Do Lawyers Negotiate Settlements?

When it comes to personal injury cases, negotiating a fair settlement is crucial for obtaining the compensation you deserve. At Naqvi, our experienced Las Vegas car accident lawyers are well-versed in the art of settlement negotiation. Here’s a comprehensive guide on how to negotiate a settlement effectively, ensuring you receive adequate financial compensation for your losses and pain and suffering.

At Naqvi, our experienced Las Vegas car accident lawyers have obtained favorable settlements for many of our clients. We know how to negotiate a settlement with an insurance adjuster and share some of our best secrets below.

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Hold Onto Everything

Settlement negotiations are based on evidence—evidence about who was at fault as well as evidence about the severity of your injuries. You can help your case by buying a giant folder and storing all relevant documents in it:

  • Copy of police report
  • Letters and emails exchanged with insurance companies
  • Medical records
  • Medical bills
  • Prescription drug receipts
  • Car repair estimates or bills
  • Photographs of the accident

It is very easy to lose this evidence, and tracking it down is a pain. True, your attorney can obtain information for you, but that takes time. Keeping this evidence organized and readily accessible will strengthen your position during negotiations.

Open an Insurance Claim in a Timely Manner

Contact the insurance company of the at-fault driver promptly to open a claim. If needed, your own insurer can assist with this process. When reporting the accident, provide only basic information, such as the date, time, and location, without providing a detailed statement. Timely reporting is crucial as any delay may raise suspicions and impact your claim’s credibility. Waiting two or three weeks before reporting an accident is suspicious, and insurance companies might conclude you are exaggerating (or even inventing) your injuries.

Estimate the Value of Your Claim Carefully

Before entering into negotiations, it’s vital to have a clear understanding of the value of your injuries and losses. In Nevada, you may be eligible for compensation for medical expenses, lost income or wages, and repairs to your vehicle and other damaged property. Calculate the full amount of your medical costs, even if your health insurer covered most of it. Additionally, consider future medical care and diminished earning capacity for long-lasting injuries. To estimate intangible losses like pain and suffering, it’s advisable to work with an experienced personal injury lawyer who can help determine a reasonable amount based on your circumstances. Working with an experienced Las Vegas accident lawyer is a big advantage because we have a rough idea of how much to request for pain and suffering. Generally, you can get 1 to 5 times the amount of your financial losses.

Write an Effective Demand Letter

A demand letter is your opportunity to present your side of the story and outline the impact of the accident on your life. Keep the letter concise, factual, and well-written. Provide details about your injuries, including the number of medical visits and any surgeries. Finally, specify the compensation amount you are seeking, which should be slightly higher than your estimated claim value to allow room for negotiation.

Reject the Insurer’s First Offer

Insurance companies often begin with low settlement offers, so it’s essential to reject the initial offer. Remember that negotiation is a back-and-forth process, and you should aim for a settlement that truly compensates you for your losses. Usually, meeting somewhere in the middle is a reasonable outcome.

Highlight Facts that Benefit You

If you reject the insurer’s offer, you need to give them a reason why. If you don’t, then they’ll think you are just being difficult or lack sophistication. You establish credibility by explaining why the offer was too low.

Remember to emphasize all the facts that work in your favor:

  • Fault is clear. Witnesses might all agree the other driver is to blame, or the driver could have admitted as much. If fault isn’t in dispute, the insurer knows they’ll lose if they go to trial.
  • Your medical bills are growing. Someone with serious injuries should emphasize that they will need future care.
  • Your pain and suffering are intense. Back up your claims by identifying witnesses who can explain how the injuries have made life more difficult. Provide vivid detail, such as the inability to lift your grandchild or go for romantic walks with your spouse.

Remain Calm During Negotiations

Projecting confidence is the key to getting the settlement you want. Don’t become upset or annoyed. If you do, you’ll lose credibility with the other side and could make some mistakes that costs you. Although it might be difficult to think this way, you need to view this as a business transaction. It’s not personal.

Hire a Lawyer to Help

You do not have to negotiate a settlement all on your own. A Las Vegas personal injury lawyer can sweep in and help clients with any of the following:

  • Properly valuing a claim, including compensation for future medical expenses, lost earning capacity, and pain and suffering
  • Collecting evidence to show the severity of your injuries
  • Negotiating with an insurance adjuster for maximum compensation
  • Identifying other parties that share fault for the accident
  • Filing a lawsuit if negotiations stall

At Naqvi, we put decades of combined experience to work for our personal injury clients. Remember, once you agree to a settlement, you’ll be signing a release of liability. This means you can’t ask the defendant to give you more compensation later— even if your medical condition takes a turn for the worse. There is a lot riding on negotiating an effective settlement. In our experience, insurance adjusters will take a victim more seriously once they know a lawyer is representing them.

Contact Naqvi for a Free Case Evaluation

Receiving a fair settlement is hard work. Many injured victims would prefer to focus on rehabbing their injuries instead of writing letters and haggling with an insurance adjuster for compensation. Hire the best personal injury lawyer you can find to be your voice in the negotiation process.

The legal team at Naqvi knows how to negotiate with the insurance adjusters. Call us today to speak with an attorney.


Call (702) 803-3092 Never Settle For Less

Hercell Ruiz
Hercell Ruiz
You never expect to get involved into an accident but fortunately Naqvi is here in Vegas, I called after I was involved into an accident and from the very first moment they were emphatic and professional, my case manager Kimmy was AMAZING and professional throughout the whole process. Thank you Kimmy. 100% Recommended.
Stacey Novotny
Stacey Novotny
I had a complicated case and they knew how to get me the most out of it! Thank you, Nikki and Sam!!!!!
Cassandra Featherhat
Cassandra Featherhat
Jason a Tara were awesome. Thank you guys so much. I recommend them to anyone. Thank you guys so much for your services.
bre roach
bre roach
I had a great experience with Naqvi Injury Law. My lawyer Michael and case manager Abi were great! Micheal and Abi stayed on top of things throughout the entire process and always kept me informed of any new updates on my case. I am definitely happy with my decision in choosing Naqvi and would highly recommend them to anyone who needs an amazing law firm!
Bobby Ruelas
Bobby Ruelas
Jason, Kimberly, and the entire Naqvi staff provided nothing but exceptional service throughout my entire case! I highly recommend them Naqvi is the best!
Valerie Garcia
Valerie Garcia
I was in an accident in July and went to NAQVI injury law to get represented. The whole process was smooth and I am very happy with the outcome of my case, thanks to my attorney Ana and the whole team at Naqvi.
Celeste venegas
Celeste venegas
Although this was a long experience (most cases are) it was worth while. We came in to this case worried about not being properly represented, or being taken advantage of because of our younger age; However, Jake Suty and Ashley Cortez were extremely helpful and determined to get not only the settlement but the treatment we deserve as any other human being. They worked with us even when we had a million questions and concerns. and were able to help push for a settlement that was more fair to us than originally offered. They were comforting, knowledgeable, and overall pleasing regarding energy. Hopefully we never have to go through this again, but if we did, I know where I will be returning! Thank you all at Naqvi for your help!
Aaryana Most
Aaryana Most
Jake Suty and Ashley Cortez were beyond communicative and helpful throughout our journey. The dedication and commitment to our case was obvious, which was greatly appreciated. Upon walking into the building, I was always greeted kindly and with a smile. Jake was always available to answer any questions I may have had and took the time to provide complete detail and thorough explanations. Thank you!
jay p
jay p
If you are ever in need of a good attorney, Naqvi Injury Law should be your first stop. After a very stressful accident this was mine and I have zero regrets! Every time I called I was greeted bubbly, caring people on the other line,shout out to their intake dept! They would always ask how I was feeling so far before even connecting me to the person assisting with my case. Maggie worked diligently on getting me situated from beginning to end and communicated with me every step of the way. Meghan my attorney communicated with the insurances companies and made sure I was compensated for everything I had been through. She made sure I was comfortable with what I was getting and consulted everything with me! Thank you all for making this experience a seamless one. They aren’t all talk and get things done!
Armando Garcia
Armando Garcia
I recommend Naqvi Sabina and Jason took care off me and always kept me well imformed about my case they showed me step by step what was happening with my case. Thank you alot Naqvi law and thank you Sabina and Jason