After you are involved in a car crash, the events that follow can be overwhelming. It gets worse if you have been injured and suffered other damages such as the loss of income as you heal. Thanks to auto insurance and car accident law, it can be easy to navigate the aftermath of a car accident and get back on your feet.
A car accident claim can specifically ease your financial burden and potentially reduce your pain and emotional suffering, but receiving compensation from a car accident case is usually a process that can add even more frustration if you don’t know how to proceed. On this note, here are some things you need to know about car accident claims.
When you get into a car crash, one of the first few things is to contact your insurance provider and file a claim with the other party’s insurer. To maximize the chances of receiving fair compensation, you should do so within 24 hours from the time of the accident. When you do so, the other driver’s insurance company could decide to settle the claim or deny it altogether.
Of course, this will be based on various factors, but it is best to file your claim as soon as possible after the accident. Even if the case proceeds to trial, the court will have timelines and deadlines to be adhered to. The time it takes before car accident settlement may also vary. The timeline for filing an accident claim may range from one to ten years depending on the jurisdiction in which the incident happened.
2. These Factors May Affect Your Claim
In most cases, an insurance company’s underwriters approve, deny, or assign value to claims based on several factors, including:
- The vehicle’s overall condition
- Whether there were car maintenance issues
- Road and weather conditions
- Driver-related issues like distracted driving and DUI
- Driver error
- Lack or presence of road signs at the accident scene
These factors can have a huge impact on your claim, and are part of why a full investigation is necessary.
3. Claims Could Be Denied
As mentioned earlier, car accident claims can be denied by the motor insurance company. This is whether you were or weren’t the at-fault driver. Some reasons that could cause your claims to be denied include:
- Your negligence or actions contributed to the accident
- You failed to provide crucial documents
- You didn’t provide an independent medical exam soon enough
- The involved policy doesn’t cover the type of accident you suffered
- The other driver’s policy had expired or is insufficient to cover your damages
In case your claim is denied, you could also sue the other driver or their insurance company for compensation. This is sometimes done through a personal injury lawsuit under the guidance of your lawyer.
4. Legal Help
Car accident insurance claims are surrounded by several complexities. Whether you are seeking compensation from your insurer or the other driver’s insurance provider, the entire process can be overly frustrating. This is why you should contact an attorney following your car accident as soon as you can. From negotiating with the insurance company to helping you file your claim or personal injury lawsuit, a good accident attorney can help in many ways. They may also defend your rights in court in case you are being accused of causing the accident.
Nothing can be more frustrating than the aftermath of an accident. If you’ve been injured and your vehicle damaged, recovering from the financial loss can be an uphill task. With these few tips in mind, however, you can navigate the accident claims process without too much frustration.