Getting a car accident claim filed is one of the crucial aspects of ensuring you are compensated for any damages to your vehicle, injuries, or other losses in the aftermath of a car accident. While this may be as straightforward as reaching out to your insurance company, it can also become complicated if other factors come into play such as dealing with an uninsured driver or in situations where fault is debated. Learn more about filing a claim and how a personal injury attorney can help ensure a smooth process.
Who Files a Claim in a Car Accident
The circumstances of the car accident determine who files a claim. Usually, the person who is at fault for the wreck initiates the claim process through their insurance provider. However, if the at-fault party is uninsured or underinsured, the injured party may need to start the claims process with their own insurance company.
In no-fault states where drivers must seek compensation from their own insurance policy regardless of who was at fault, both parties will file a claim and rely on their own insurance coverage to handle medical expenses, lost wages, and other expenses up to the limits of their policy.
Car Accident Insurance Claim Process
The aftermath of a car accident comes with countless tasks. Once you have contacted authorities and sought medical attention, it is important to focus on steps that will help you receive compensation for damages and injuries either from your insurance or the at-fault party’s insurance.
Step one is to gather information while you are still at the scene of the wreck. If your condition permits and it can be done safely, exchange contact information with the party involved and collect names, addresses, insurance details, and vehicle information.
Next, notify your insurance company and report the accident to them. Provide them with accurate details of the accident including the police report, any photos you took, and the information you gathered.
Identifying fault and liability comes next. You could work with a personal injury attorney who can help you organize the details of your claim and evaluate fault. Keep records of all the damage and losses related to the accident. This includes vehicle repair estimates, medical bills, and other related expenses.
An adjuster who represents the insurance company will be assigned to your claim by the at-fault party’s insurance company. Provide them with the necessary information to assist them with the investigation. Once the investigation is complete, the insurance company may offer a settlement. It is usually advised to avoid taking the first settlement that is offered. Oftentimes, insurance companies may turnaround an offer in a short period of time to get you to settle quickly. It is recommended that you take the time to ensure the compensation adequately covers your damage before agreeing to a settlement.
If believe that the settlement offered is insufficient or liability is disputed, consider seeking the advice of an experienced attorney like those at DiPasquale Moore. An attorney can help you understand your options and represent your best interests when it comes to obtaining a settlement you deserve.
Partner with DiPasquale Moore
An experienced car accident attorney at DiPasquale Moore has walked countless clients through the process and can help ensure your rights are protected. Our goal is to help victims of car accidents fight for the compensation they deserve. Whether we negotiate with your insurer or the insurer of the at-fault party, you can rest easy knowing that we keep your best interests in mind. In times of need, our team is here to stand by your side. Get in touch with our team today for a free initial consultation. We operate on a contingency basis which means we only get paid if you do.