How to Obtain a Favorable Settlement After an Accident

One of the most unfortunate things that can happen to us is that we are involved in an accident, and then we have to go through the exhausting process of tiring to achieve a fair settlement for our injuries. This will require intensive negotiations with at least one insurance company, and these negotiations can often leave us feeling weary and annoyed at a system that never seems to work in our favor. If this rings a bell, then don't despair, as here you will find a detailed guide on how to obtain a favorable settlement after you have an accident.

Document Everything

It may sound obvious, but it is surprising how many people do not document everything surrounding their accidents. If you are involved in a car crash, it is important to take pictures of the scene, and also to get the details of all the parties involved in the accident. You should also make sure that you go to the nearest hospital immediately to check for any injuries. This is particularly important because if you are injured, you need to be able to link those injuries to the accident, or you may not get an associated payout. If you have an accident at work, make sure this is documented in the health and safety book and reported to the relevant people. If you get injured in the street, make sure you photograph the offending pave stone or tree and inform the local authorities. Basically, you must do all you can to have full documentation for your accident.

Inform Your Insurance Company and Engage a Lawyer

Once you have documented everything and sought medical attention, you need to inform your insurance company of all the details and then engage a lawyer. Your lawyer will then act on your behalf while negotiating a settlement between the two insurance companies. Legal experts at KerleySchaffer.com advise that it is vital that you cooperate with your lawyer at every stage and that you give them as much information as possible. You will need to sign a document instructing them to lead the case on a no win no fee basis, which will protect you in the event that your claim is unsuccessful. Be patient, the negotiation phase can take time, but be rest assured that your lawyer will be working as hard as possible as they will want to be paid for their time.

Negotiate Artfully

This is the phase that will determine your payout, so it is crucial to assist your lawyer with the negotiations. Never accept the opening offer, as this will be low on purpose. You may be eager to get your hands on your compensation, but patience is a virtue that can pay off. You need to make sure that all future damages are covered in the negotiating phase. For example, you may not be able to work for six months due to your broken arm, so this loss of earnings must be claimed. You will need to work with your doctor and may even need to hire an independent medical examiner who can prove your claims.

Future losses are not the only thing you can claim for. You will need to make sure that you document all of your expenses relating to the claim. If you need multiple trips to the hospital, then keep all transport receipts. If you need a carer to look after you or go to the mall to do your shopping for you, then document it, because these are all claimable costs.

Keep Quiet

The last thing you want to do is ruin your chances of compensation by saying the wrong thing while your compensation claim is pending. The opposition will be doing all they can to show that your claim is spurious, so don't do anything to jeopardize it. Stay off all forms of social media as this will be monitored, and you may risk posting something that might harm your case. Laying low and cooperating with your legal team is the best way to maximize your settlement. As we have discovered, there are several important steps to take if you want to maximize any settlement after an injury.

Make sure you document everything surrounding the accident and seek medical attention as soon as possible. Work closely with your legal team and negotiate sensibly, making sure you seek damages for future losses as well as all of your expenses surrounding the case. Stay off social media, be patient, and follow these steps, and you will then have the best chance of a favorable settlement after your accident.

How to Learn Much More From the Books You Read

It is one thing to read and another thing to understand what you are reading. Not only do you want to understand, but also remember what you've read. Otherwise, we can safely say that if we're not gaining anything from what we read, then it's a big waste of time.

Whatever you read, there are ways to do so in a more effective manner to help you understand better. Whether you are reading by choice, for an upcoming test, or work-related material, here are a few ways to help you improve your reading skills and retain that information.

Read with a Purpose

Never has there been a shortage of great books. So, someone recommended a great cookbook for you. You start going through it, but your mind is wandering. This doesn't mean the cookbook was an awful recommendation, but it does mean it doesn't suit nor fulfill your current needs or curiosity.

Maybe your purpose is more about launching a business. Maybe you're a busy mom and can't keep office hours, but there's something you can do from home to help bring in more money, so you want information about that. At that point, you won't benefit from a cookbook, but you could gain a lot of insight and find details here on how-to books about working from home. During this unprecedented year, millions have had to make the transition to work from home, and millions more are deciding to do that. Either way, it's not a transition that comes automatically or easily, but reading about it will inform you about what working from home entails.


When you pre-read it primes your brain when it's time to go over the full text. We pre-read by going over the subheadings, for instance, the table of contents, and skimming through some pages. This is especially useful when you have formal types of academic books. Pre-reading is a sort of warm-up exercise for your brain. It prepares your brain for the rest of the information that will come about and allows your brain to be better able to pick the most essential pieces of information you need from your chosen text.


Highlighting essential sentences or paragraphs is extremely helpful for retaining information. The problem, however, with highlighting is that we wind up highlighting way too much. This happens because we tend to highlight before we begin to understand. Before your pages become a neon of colored highlights, make sure that you only highlight what is essential to improve your understanding and not highlight the whole page.

Speed Read

You might think there have been no new ways to read, but even the ancient skill of reading comes up with innovative ways; enter speed reading. The standard slow process shouldn't affect your understanding, but it does kill your enthusiasm. The average adult goes through around 200 to 250 words per minute. A college student can read around 450 words, while a professor averages about 650 words per minute, to mention a few examples. The average speed reader can manage 1,500 words; quite a difference! Of course, the argument arises between quality and quantity. For avid readers, they want both quantity and quality, which leads us to the next point.

Quality Reading

Life is too short to expect to gain knowledge from just one type of genre. Some basic outcomes of reading are to expand your mind, perceive situations and events differently, expose yourself to other viewpoints, and more. If you only stick to one author and one type of material, you are missing out on a great opportunity to learn new things.

Having said that, if there's a book you are simply not enjoying, remember that life is also too short to continue reading it. Simply, close it, put it away and maybe give it another go later on, or give it away. There is no shame or guilt in not liking a book; even if it's from a favorite author. It's pretty much clear that you won't gain anything from a book that you don't even enjoy, let alone expect to learn something from it.


If you're able to summarize what you have read, then you have understood. When you summarize, you are bringing up all the major points that enhance your understanding. You can easily do so chapter by chapter.

Take a good look at your life and what's going on in it. Accordingly, you'll choose the material that is much more suitable for your situation and circumstances. When you read a piece of information that you find beneficial, look for a way to apply it to your life. Knowledge for the sake of knowledge isn't all that beneficial. But the application of knowledge from a helpful book is what will help you and make your life more interesting and more meaningful.