7 Tips For Negotiating With Your Car Insurance Company After An Accident

It can be challenging to deal with your car insurance after an accident. As an injured victim, you have the right to be compensated fairly – but, most times, insurance companies are quite reluctant to pay.

So, to help you get through this complex insurance settlement process below is a list of seven negotiation tips that will help you deal with your car insurance company in Alberta after an accident. Let’s begin.

Know your insurance company

Insurance companies are not usually searching for your best interest. They are the opposite party in such cases. This also holds when you are to deal with your insurance company.

To be on the right foot, if you live in Alberta, get Alberta Auto insurance coverage for your vehicle. This ensures that you are adequately covered by your insurance and not left to chance when an accident happens. However, it would be best if you kept your guard up so you don’t get a reduced settlement offer.

Start your claim as fast as you can

You need supporting evidence if you want to get a successful accident claim. But, most forms of evidence start disappearing shortly after the accident. So, in your best interest, you should start your claim as soon as possible when most proof can still be accounted for.

Don’t speculate. Speak facts

When talking with an insurance adjuster, you shouldn’t give opinions about your injuries, recovery, or accident. Instead, ensure you speak facts about your case.

An insurance adjuster might want you to talk a lot about your accident, so you engage in baseless speculations. This is so they can get things to use against you.

Don’t admit fault for the accident

When speaking with your insurance adjuster, you shouldn’t accept fault for the accident. Sometimes, they might subtly try to push the blame on you.

So, irrespective of the situation, don’t accept the blame. You shouldn’t be the one to judge your fault. Let your Alberta lawyer help you with that.

Consult with an Alberta car accident lawyer

A critical settlement tip is to work with your attorney in such cases constantly. An Alberta car accident lawyer of your choice can help you with this. You can also request a free and no-obligation review of your insurance claim.

Know the estimated value of your claim

You need to know your estimated claim value when you get deep into negotiations with your car insurance company. You might not get a fair settlement offer if you lack this knowledge. Insurance companies often prey on people’s lack of knowledge.

So, it would be best if you rejected low insurance offers. When in doubt about your claim value, immediately speak with your attorney.

Don’t accept the first offer. You need to be patient

Most insurance companies don’t begin with the best offers. Instead, they usually try to bring down the offer by offering low amounts in their favour during negotiations. So, it would be best if you didn’t accept the first offer since you are entitled to full compensation.


Unarguably, it can be stressful dealing with the aftermath of a car accident. In most cases, you might be entangled with your insurance company when trying to get your claim paid in full and timely. So, in such situations, the tips mentioned above would increase your chances of getting a good outcome.

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