Colburn Law

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Colburn Law

Seattle Insurance Claim Lawyer

If you’ve been injured in a car crash, at a construction sitework, or in any other scenario that involves insurance claims, most likely you’re feeling frustrated. If you need help navigating your insurance claims process, we at Colburn Law are here to help. We won’t let insurance companies bully you into a low-ball offer, and we won’t stop negotiating until we’re sure you get the settlement you deserve. Contact our Seattle insurance claim lawyers today at Colburn Law for a free consultation (206) 919-3215.

As a victim of personal injury myself, I know how maddening it can be to fight with insurance companies. I was injured by a roofer’s negligence while working as a carpenter in the early 2000s. The injury required multiple surgeries, which meant my previous position was no longer an option. I learned quickly how exasperating it was negotiating with the Industrial Insurance (workers’ compensation) here in Washington. In fact, that is part of what put me on my career path to personal injury law.

Contact a Seattle Insurance Claims Attorney

If you have any questions about the services we offer or would like to schedule a free initial consultation with our firm, contact us. We offer our services on a contingency-fee basis, so take advantage of our negotiating services today.

Negotiating With Insurance Companies

Negotiating with insurance companies is tricky. Remember, these are huge corporations that have thousands of clients. It may not be fair, but they’re committed to paying out as little as possible. Unfortunately, I find that negotiating with insurance companies is almost always essential. They may approach you with an offer, but I strongly urge you to have an attorney review it first. Often, it’s less than you deserve.

In general, here’s what you can expect from the insurance claims process:

  • You’ll receive an initial phone call from a claims adjuster, who will give you a quick rundown of the strengths and weaknesses of your claim.
  • You might receive a “reservation of rights” letter, but don’t let this intimidate you. It simply means the insurance company is investigating your claim but reserves the right to deny it.
  • At some point, you’ll write a demand letter that denotes a settlement amount you think is fair. The adjuster will counter with a lower offer, and the negotiations begin. We recommend having an attorney draft the demand letter for you. We have been writing these types of letters for years and know how to word them for optimal success.

How Much Should I Ask For?

Most people we work with have the same question: How much is my personal injury settlement worth? Our answer will be different, depending on the client, but each follows the same basic formula:

  • First, we calculate the economic damages associated with your recovery. These include things like medical bills, rehabilitation and therapy, and your lost wages.
  • Next, we calculate how much you deserve for pain and suffering. Most insurance companies use the multiplier method in which they will multiply your economic damages by a number between one and five, depending on the severity of your injuries. Alternatively, they may use the per diem approach, which involves taking a number (usually what you make in a day at your job) and multiplying it by the number of days it took to recover.

Take a look at these numbers, and you’ll see why negotiating with insurance companies can be so difficult. While it’s difficult for them to find a way around paying for your medical bills, most of the arguing comes with determining general damages. The number of days you suffered can be highly subjective, as can the severity of your injuries. This is why it’s essential to have an attorney by your side.