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The normal timeline in auto insurance settlement negotiations, or other personal injury lawsuits involving insurance companies, usually goes something like this:
• You’ve been in an accident that wasn’t your fault, or you were the victim of medical malpractice, premises liability, or someone else’s negligence.
• You see a doctor or other medical professional to determine the extent of your injuries and to determine how those injuries are likely to affect you in the future, including the cost of any ongoing treatment or physical therapy.
• You put together all your supporting documentation, together with as much evidence regarding your injuries as you can gather. This might include things like police reports, witness statements, hospital records, etc.
• You come up with what you feel is a fair settlement figure, and you send a demand letter to the relevant insurance company, either your own (if the other party was uninsured or where there’s no possibility of being covered by third party insurance) or the insurance company of the person who injured you.
• The negotiations begin.