Q: If I file a claim, is there always going to be negotiation?

A: File what type of claim for what with whom? You need more details before anyone can answer this.

A: There is almost always negotiations, as there is a debate over what the costs actually are. That is, if the hospital charged $500 for your visit, but your health insurance only paid $200, how much does the insurance company have to pay? Plus, and this is where the bulk of the negotiations come from, how much pain and suffering and other non-economic damages are you entitled to?

A: You asked a good question. There is not always going to be a negotiation; however insurance companies and adjusters typically attempt to save money for the insurance company. It is not unusual for an insurance company to deny a claim or attempt to pay less than what was billed out in medical bills and other expenses. Each claim or case must be evaluated on its own facts and merits.

A: Insurance companies are required to pay all of your reasonable and necessary accident-related medical costs. They just don't like it, and if you let them, they will pay as little as they can. Most insurance coverage for personal injuries is either first or third party coverage. An example of a first party claim is where you make a claim against your own insurance company, such as for PIP benefits in a car collision. A third party claim is where you make a claim against a third party' for injuries the third party caused, and that third party is insured.