When an accident occurs, you probably feel relieved to know that insurance is available to cover the costs relating to your injuries. But the truth is that accident insurance claims can be quite complicated. Most insurance companies are working hard to reduce the amount of money that they need to pay out, so this process can be quite challenging.
The most important thing you can do is hire a trusted accident attorney for assistance. Our team at Green Law Firm is here to assist. We’ll be your advocate in the legal process, helping you achieve an ideal outcome for your personal needs. In addition to dealing with insurance companies, we can help you build a solid case that will ensure a fair settlement.
Understanding the Insurance Claim Process
Most accident victims don’t know much about the auto accident insurance claim process, which is why it can be stressful to navigate this experience. Your attorney can help with everything that is necessary from start to finish.
The first step is to file the accident report with the insurance providers. This filing should be completed as soon as possible and include as many details as possible. Your attorney knows how insurance companies handle claims, so they can help with managing your expectations through this process.
Necessary documentation needs to be filed with the insurance claim, including police reports, medical records, photos, and more.
Gathering Evidence After an Accident
Evidence is critical to prove the extent of damages and liability in the case. When you have proper documentation, it supports your claim and increases the likelihood that you will receive fair compensation for your injuries.
Some of the most common types of evidence that need to be gathered include:
- Accident scene photos
- Medical records
- Witness statements
- Police reports
- Expert witnesses
- Records of expenses (such as repair bills and lost wages)
Even though every case is unique, all accident insurance claims need to have solid evidence to support the victim.
Communicating with the Insurance Company
The most important thing that you need to understand is that you should never communicate with the insurance company directly. Instead, let your attorney handle these conversations. Remember that anything you say could potentially be used against you.
When your attorney is talking with the insurance company, they will be proactive about providing factual and concise information. Careful consideration is used to never admit fault in the case. Also, you should never sign any documents or accept early settlement offers without having your attorney review everything in detail.
One essential strategy when dealing with car insurance adjusters is to make sure that you are keeping records of every point of communication. This way, you can review the history of communication if any of the details are questioned.
How to Negotiate a Fair Settlement
Remember that negotiating accident settlements can be a challenging process because the insurance company will do everything it can to reduce the amount of money that needs to be paid. Your attorney will help you determine the full value of your claim, and then negotiate aggressively to ensure that you receive fair compensation.
Not only are you entitled to receive compensation for your current medical bills. But it’s also important to negotiate for future expenses. For example, you should receive compensation for future medical costs as well as pain and suffering.
What to Do If Your Claim Is Denied
While the hope is that you will have a smooth process for car accident disputes, the reality is that there are times when claims are denied. But if you receive a denial, it doesn’t have to be the end of your case. Your attorney can assist by reviewing the denial letter to identify the reasons for rejection.
Then, it’s possible that you might be able to change the outcome of the case by gathering additional evidence. Your attorney will help you file a strong appeal.
When to Hire a Personal Injury Attorney
No matter the severity of your personal injuries, it often makes sense to hire an attorney as soon as possible. You need legal representation, especially if you are dealing with disputed liability or low settlement offers.
Your attorney will help with negotiating all aspects of your car accident insurance claims process. They will handle all of the negotiations. Then, if a settlement can’t be reached, your attorney will file the lawsuit if necessary.
If you are wondering when to contact an insurance lawyer, the answer is: as soon as possible. The first step is to schedule a complimentary, no-obligation consultation so that you can determine whether you will benefit from these legal services.
FAQs
What should I do if the insurance company denies my claim?
If your claim is denied by the insurance company, then talk to your attorney right away. We will review the denial letter and gather the additional evidence that is needed in order to file an appeal.
How do I file an insurance claim after an accident?
You need to take action right away to file an insurance claim. Notify the insurance provider immediately, and also provide details such as accurate information and necessary documentation.
How to handle insurance claims after a car accident?
Make sure that you are staying calm through this whole process. Document every stage of the conversation. Never admit fault. Be proactive about communicating with the insurance adjusters through your attorney.
What to expect from insurance companies after an accident?
You should expect that the insurance company is going to push back against your claim in an attempt to reduce the amount of money that needs to be paid. Our legal team will handle the negotiations and increase the likelihood that you will receive a fair settlement.
Call the Personal Injury Experts
You don’t need to navigate the complicated insurance process on your own. If you are dealing with accident insurance claims, then the best thing that you can do is reach out to an experienced legal team for help.
At Green Law Firm, we are here to assist with your case. Contact us right away to book a free, no-obligation consultation: (956) 542-7000.
