Posted on: 29 July 2021
When you are involved in a car accident, the easiest way to seek compensation for your injuries is to file a claim with the other driver's car insurance provider. However, the insurance adjuster will do everything possible to reduce your claim and might even mislead you. Therefore, you'll often want to consider involving a car accident lawyer in your case. Here's a look at the process.
How an Insurance Provider Might Confuse You
The insurance provider might try to insist that you must drop your claim because you have expired tags on your car. However, if you are genuinely injured as a result of a car accident, you cannot have your claim denied even if your plates are expired, you're driving with a suspended license, or your own insurance has lapsed.
Other circumstances might affect your ability to maximize your compensation. For example, if you decide to simply exchange contact information with the other driver. However, the police report provides valuable information such as where the accident occurred and the conditions that existed at the time of the accident.
The police officer will interview anyone who may have witnessed the crash and will provide an objective and unbiased account of what can be observed. However, even without a police report, you will still be able to file a claim. In some cases, the officer might even inform you that you do not have to remain at the scene of the accident. This might occur if the police department is too busy and your accident isn't considered as severe.
How to Handle an Insurance Provider
Most individuals are not prepared to handle an auto accident case because of the complexity involved and because of how an insurance provider will try to deny your claim.
You may discover that the insurance provider is offering you a much lower settlement than you expected which may not even begin to cover your expenses. However, a car accident lawyer will take proactive steps including:
- Investigating your accident
- Assisting you in calculating the damages
- Creating a reasonable offer that is on the high end
- Sending a demand letter that includes the asking amount
- Negotiating with the insurance provider and talking to them on the phone
By taking this approach, you will be able to maximize the settlement you will receive. If you are not able to settle your case out of court, your attorney will represent you in court.Share