Car accident which was not your fault
If you or your loved has been involved in a car accident which was not your fault, then you ought to receive money to cover all the losses and expenses linked to that accident. You might be thinking of how to best proceed with settling the injury claim or vehicle damage against the other driver. Ultimately, your goal is to win the car accident settlement and go on with your life. Winning a car accident settlement involves three steps: paying close attention to the accident scene, dealing with your insurance company, and lastly finalizing your car accident settlement.
You should consider hiring a car accident attorney. An experienced one will assist you in negotiating with the insurance company or even filing a lawsuit against the other driver in case they are at fault.
Step 1: Paying close attention to the accident scene
Even if the other driver is responsible for the accident, normally, you will not be directly dealing with that driver when it comes to settling your claim. You will be dealing with their insurance company. It is for this reason that it is very important for you to pay close attention to the scene of the accident and collect particular information while still there. Get the other driver’s information such as their name, cell phone number, license number, insurance company, and even their car’s brand. Have a look at their insurance policy to make sure that it is not expired. While still at the scene of the accident, you can also take pictures of the scene from different angles. This info will be important to your attorneys and to the insurance company. Additionally, collect witness statements; they are very useful when it comes to supporting your insurance claim.
Step 2: Dealing with your insurance company
It is important for you to inform your insurance company about the accident. Let them know that you intend to file a claim. Once you have informed your insurance company, you need to get prepared for an interview with their claims adjuster. Do not provide speculations regarding the cause of the accident. It is also important for you not to share your previous medical records with the insurance company. Your insurance company might want to go through your medical records just to try to blame the injuries you have on something else that is not the accident.
Additionally, the insurance company might ask you to provide a recorded statement and/or sign a release form. You have the right to refuse, so exercise that right. Besides, you should never interact with the opposing insurance adjuster unless your car accident attorney approves.
Step 3: Finalizing your car accident settlement
Do not feel pressured to accept the first settlement offer. The insurance company will most likely give you a low initial settlement offer in hopes that you do not realize the degree of the damages caused. This is where an experienced car accident attorney can really help you out. They will ensure that you get the highest possible settlement offer.
In case the insurance company gives you a settlement offer, take your time to actually think about it. You can even ask them to tell you how they came up with that amount they are offering. If you feel that you deserve more, you are allowed to present the necessary evidences which support your claim such as medical and car repair bills. Your car accident attorney will present a strong case for you to make sure you get what you deserve.
The process of getting settled after a car accident tends to be quite stressful. However, just follow the above steps and rest assured getting the highest possible settlement.
Last Updated: 03-24-2017