Nevada follows a fault system when it comes to auto accidents. When a collision occurs, you will file a claim for damages with your insurance company if you were fully or partially at fault. If the investigation indicates that the other driver is at fault, his or her auto policy will cover your claim.
Regardless of the circumstances, the insurance adjuster will strive to minimize the out-of-pocket cost for the company. Follow these tips when working with an insurer to ensure you receive coverage for the full extent of your injuries and property damage.
The longer you wait to file a claim, the more difficult it will be to recoup your costs. In addition, if the case goes to court, you must sue before the statute of limitations expires (two years for personal injury and three years for property damage in Nevada).
Do your own research
The claims adjuster will make an offer to repair your car based on his or her information. However, you should also seek independent estimates from local shops to conduct the same work. If these quotes are higher than the insurance company’s settlement offer, they can serve as a basis for negotiation. Before responding to the initial offer, have an ideal settlement amount in mind as well as the minimal settlement amount you would theoretically accept.
Speak with the insurance adjuster only when necessary. Although he or she may seem friendly and trustworthy, you could damage your case if you open up about the details of the accident.
You should prepare to back up your negotiation with hard facts. Save all your medical bills and detail the physical and emotional consequences of the accident in writing. Take pictures of the scene and gather contact information and statements from witnesses. An attorney who specializes in personal injury can help build a case on your behalf.
Get it in writing
If the insurance company offers a reasonable settlement for your damages and injuries, get the amount in writing. You may want to have an attorney review this legally binding agreement before signing on the dotted line.