Start by organizing every medical record, bill, and note connecting your treatment to the crash, then write a demand letter that lays out your damages clearly and asks for a specific number, typically higher than what you’d accept, since negotiation starts there. Respond to lowball offers with the documentation that supports a higher number rather than an emotional appeal, adjusters respond to evidence, not frustration.
Where self-negotiation tends to work
Minor injuries, clear fault, and a cooperative insurer make self-negotiation realistic. If your medical bills are modest and well documented, you may be able to reach a fair number without paying attorney fees out of the settlement.
When to stop and call someone
If the insurer disputes fault, if your injuries are serious or ongoing, if you don’t know how to value pain and suffering realistically, or if the offers you’re getting don’t move even after you push back, that’s the point where a free consultation with an attorney costs you nothing and tells you whether you’re leaving money on the table.
What to do next
If this is where you are right now, call Mile High Legal at (720) 853-5779 for a free consultation. We handle Colorado car accident and injury claims on contingency, meaning you pay nothing upfront and nothing at all unless we recover money for you.
