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Four tips to remember when dealing with an insurance company

It's easy to feel flustered when dealing with insurance companies. They have money that you want, but they are often reluctant to give it up without a fight. While it may not seem fair - after all, you're paying monthly just for this type of emergency - you often have to fight for what you feel is rightly yours.

Here are a few tips to keep in mind that will help you get the most out of your insurance company as quickly as possible:

1. Eyewitness accounts speed up the process.

The more people you have confirming your story, the more likely the insurance company will believe it immediately rather than doing months of research. This will allow you to get your money faster. If there were other people in your vehicle or other eyewitnesses who stopped at the accident scene, get their names, contact information and statements. (Yes, you are doing the insurance company's work, but again, this will speed up the process of getting your money.)

An official police report recreating the accident will give you another witness account (the officer on scene), and help you prove who was at fault.

2. You may not notice your injuries right away.

An adrenaline rush may leave you feeling fine at the scene of the accident. In fact, it may take months for you to realize that your neck or back just hasn't felt the same since the incident. By then, it may be too late.

A delayed injury claim doesn't look good to insurance companies, so it's best to see a doctor immediately following an accident, even if you don't feel initial pain. The doctor may be able to spot significant injuries that you did not notice.

3. Documenting your injury will get you more money.

The insurance company likely won't give you money based on your word that you were hurt in a car accident a month ago, or even yesterday. They will, however, take the word of a physician or specialist.

Following your accident, you should have a physician do a physical to check for any potential injuries, including whiplash. Ask them to take x-rays or photos of any injuries, if applicable. If you have a doctor with proof that your injuries stem from the accident, the insurance company will pay up.

4. You don't have to agree to the first offer.

When the insurance company offers you a set amount to pay for your injuries, it will not tell you that the amount is negotiable. However, if you believe the settlement offer is too low for your injuries or property damage, you may be able to hold out for more money.

This is the point where you may want to hire a professional Bellevue personal injury lawyer, such as the experts at Rubinstein Law. We can help you negotiate with the insurance company and offer proof that you deserve more than they want to give you.

To get every penny out of your Seattle car accident claim, call an experienced Seattle injury attorney today toll-free at 1-800-578-1166.