After a car accident, you may be suffering severe pain, facing high medical bills, and wondering how to file a claim and receive financial compensation for your losses. Keep reading to learn what to expect when filing a car accident claim and what the settlement process may be like.
If you are looking to recover compensation through a car accident claim, you are not alone. In 2022, according to the Insurance Information Institute, liability and physical damage claims totaled close to $243 million.
Often, the process of recovering compensation following a car accident involves more than simply submitting a claim to the other party’s insurance company and receiving a check or instant transfer for damages. It can involve a lengthy investigation and drawn-out negotiations between your car accident lawyer and the insurance company.
If a settlement agreement cannot be reached, you may need to file a lawsuit and go to court. By hiring an experienced personal injury lawyer at Judd Shaw Injury Law, you can give your car accident claim the best chance of resulting in a favorable outcome. Call us 24/7 at [phone] to schedule a free case evaluation.
Notify your insurance company of the car accident as soon as possible. Regardless of who you think is at fault, you must inform your insurance company of the incident. Many car insurance companies now offer apps that allow you to file a claim right from your smartphone.
Your insurance agent will likely request the following information:
You may be surprised how quickly you are contacted by the other driver’s insurance company. They might respond especially fast when it is evident the policyholder violated traffic laws or, in some other way, was responsible for the car accident.
It is recommended to avoid speaking with the other party’s insurer without first consulting a car accident lawyer. Insurance companies are not typically looking out for your best interests. Even if you were severely injured in a crash, their goal is to get you to settle for as low of an amount as possible.
Insurance companies are notorious for tricking accident victims into somehow admitting the collision was their fault. They can misconstrue a simple “I’m sorry” into an admission of guilt. For this reason, it is best to let your car accident lawyer handle all communication with the other party’s insurance company on your behalf.
After a claim has been filed, the insurance company conducts an investigation of the car accident. Your personal injury lawyer and legal team will also perform their own investigation into the incident.
Evidence reviewed when investigating a car accident claim includes:
The evidence collected during the investigation process will be used to determine fault. The more evidence you have proving the other party caused your car accident, the greater your chances of a fair settlement during the negotiation process.
Your personal injury lawyer will send a demand letter to the insurance company to begin the process of settling your car accident claim.
The demand letter will include:
The insurance company would like you to believe that the initial settlement amount offered is a “take it or leave it” offer. This is not true. Rather, you have the right to decline the settlement offered and make a counteroffer.
Negotiation is usually the best way to receive compensation that is both fair and able to cover your car accident damages.
Most personal injury lawyers are skilled negotiators. They will tell the insurance company an amount higher than is truly acceptable, so there is room to negotiate down to the amount you need.
The majority of car accident claims are settled out of court through negotiating with the at-fault party and insurance company. If your car accident lawyer determines that the settlement amount reached with the insurer covers your damages, he or she may suggest that you accept the offer. You will then sign paperwork and be issued a check for your damages according to the agreed-upon amount.
However, if a fair settlement cannot be reached through negotiations, your car accident lawyer may suggest filing a lawsuit.
Your car accident attorney can offer legal advice to help you decide whether going to court is the right choice for you and your case. If you decide to proceed with filing a lawsuit, your lawyer will walk you through the next steps involved in your case.
The following are some of the steps involved in a car accident case.
The discovery phase is the stage of a personal injury lawsuit where both sides collect and exchange information relevant to their cases. During the discovery process, both sides have the opportunity to build solid arguments, understand the other party’s claims, and, in some situations, reach an agreement without going to trial.
The following methods of discovery are commonly used in car accident cases:
After the discovery phase, both parties understand the strengths and weaknesses of their cases. They can use this information to continue settlement negotiations and hopefully settle the car accident case without needing to go to trial.
Most car accident cases will be settled before going to court. Settling a claim out of court is generally less expensive and less stressful for all parties involved.
However, if still unsettled after a certain amount of time, the case may go on to court, with each side presenting their arguments before a judge and jury.
After hearing each side of the case, the judge or jury will render a verdict, determining whether or not the other party is liable for your damages. If you win, you will likely be issued a check from the insurance company.
Recovering compensation after a car accident can be complicated and confusing. Our experienced car accident attorneys can provide legal guidance and representation through each step of settling your claim. We will diligently work to get you the money you deserve as quickly as possible.
The compassionate legal team at Judd Shaw Injury Law is committed to excellent client service. We know how difficult the aftermath of a car accident can be for victims and their families. Our lawyers are here to offer support through each step of the car accident claims process.
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