Shane Mullen, a Dallas car accident lawyer, discusses tactics for negotiating ALL necessary settlements with insurance companies.

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Video Transcript: Tactics for Negotiating Your Insurance Settlement After a Car Accident

In this video, attorney Shane Mullen says, “After you’ve received all the health care you need, and you’ve gathered all your bills and records, and hired any experts that you might need, it’s time to present your injury claim to the insurance company and attempt to settle it. You need to expect that you are going have to negotiate, so you must ask for more than you believe your claim is worth, because they are naturally going to come back and offer less than whatever you ask for.

The law in Texas says that a defendant who injures you (and/or their insurance company in their place) they don’t owe all of your medical care. And they don’t owe for all injuries you claim you sustained in the accident. The law says they only owe reasonable medical bills for necessary health care. So, it should come as no surprise that these insurance companies, on darn near every case, will argue that some of your bills aren’t reasonable, in fact quite a few of them. Then, they’re going to argue that quite a bit of your health care wasn’t necessary, didn’t follow some type of guidelines or standardized procedures.

Not only that, but you have to be prepared to understand it’s a waiting game. The insurance companies, most of the time, are not willing after only one or two phone calls, to offer you their full settlement range authority. They are going to start out offering a low amount, and no matter what you do or say during that phone call, or in person meeting, it’s not going to change their mind, because there are policies and procedures in place. They want people sitting around wondering, that might need money, if they should take it, and they want to wear you down. And if you think about it, that is good negotiation strategy. If you contact an attorney, we can help you, we can give you a free consultation, or you can hire us and we can do it for you.”