Understanding the Basics of Consumer, Financial and Personal Injury Law

Car Accident Injuries: Going Through the Insurance Claims Process

If you were recently hurt in a car accident, one of the first things you should do is file a claim with the responsible party's insurance agency. This is an easy process but can be intimidating if you have never been through it before. Here are some questions to keep in mind when going through the claims process:

Who Is at Fault?

The first thing the insurer will do will determine the division of fault. You and the other party will be included in the division of fault. The adjuster will gather information from the accident report. He or she will then place a percentage of fault to everyone involved. If you had nothing to do with initiating the accident, you can expect to be fully compensated. However, if you do have a percentage of fault, you be compensated by removing your percent of fault from the overall amount of the settlement. You will then receive the remainder of the money.

What Expenses Are Covered?

After an accident, there are many expenses that will be covered by the insurer. These include your medical expenses, income you lost due to the accident, your damaged property, and other expenses the insurer will deem payable to you. If you suffered from injuries that resulted in a permanent disability, you will be compensated for those as well. The amount and frequency of payments will vary from case to case.

Is an Attorney Necessary?

In many cases, an attorney will not be needed when making an insurance claim, but they can be especially beneficial. If you have a very complex case where there will need to be an introduction of evidence, an attorney will be a great asset. He or she will help make sure that you get a full and fair settlement based on your injuries and loss of property. They can also help keep the process moving so that you do not have to wait an extended period of time until you see any money.

Going through the insurance claims process can be frustrating, but it is necessary if you hope to recoup your damages after a car accident. It is important to keep in mind that the settlement will vary from case to case, but an attorney can help you possibly get a much higher amount. If you choose to use an attorney, be sure to choose one that specializes in personal injury so that you get a quick settlement.


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