Steps
- Calculate your hourly rate. In most cases you could use the rate based off you salary if you are not an hourly worker. Keep in mind the value of your time must be realistic if not the flags will go up and you may not receive compensation.
- Keep good record of the time it take you to perform the duties associated with handling the insurance claim. These are a some of the things I would suggest. Find a body shop,Getting a repair estimate,Travel time,Gas for travel,Rental Car,Time spent on phone with insurance representative.
- Itemize anything you can justify can be itemized.
- Be ready to answer for your itemization. When you initially submit an itemization, be sure to it is on the high side of the estimate of your time. In most cases you will have to reduce the price a little for them to accept. Everyone likes a deal, insurance companies included.
- Be persistent and follow-up. It is not in their best interest to be proactive but with persistence things will happen.
- Keep an open mind. If questioned about something ask the claims agent how much he or she is getting paid to interact with you. Then ask why shouldn t I receive compensation if they are.
- Again, be persistent and follow-up.
Tips
- I cannot emphasize more to be persistent and follow-up.
Warnings
- This approach WILL NOT work in all states. Moreover, some states, such as Florida, will not even entertain the idea. Check statutory and case law to determine if your state allows for this reimbursement, or you could be wasting more of your time that will not be reimbursed.
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