Even if you have been involved in a car accident that apparently did not result from your fault, you have to understand that when it comes to compensation, your insurer is going to try very hard to get away without paying the full amount you are entitled to. Their plan is to complicate the claim settlement process, get you worn out, and force you to settle for as little as possible. The aim of this article is to equip you with the necessary information with regards to the car accidents claim process, how you could make your claim stronger, and how the claim is eventually settled.
Car Accident Claim Process
When car accidents happen, it is tough times for the parties involved. The accident claim against the insurer for the damages only make the bad situation worse. There are a number of issues that the victims or their loved ones have to deal with. These include litigation, medical expenses, claim adjuster, and repairmen among others. However, a proper understanding of the car accident claim process can reduce significantly the amount of anxiety that comes with such unfamiliar events.
The affected party has to understand several aspects of the claim process to reduce the unease during the hectic process. It is imperative to appreciate the fact that apprehension is almost natural when car accidents occur. If you ask any American motorist how good they are at driving, the answer is most likely going to be “very good.” On the other hand, if you ask them how others drive, you are likely going to get negative answers. All in all, statistics show that about 20% of all motorists in developed countries have been involved in car accidents in the recent years, but in almost all the cases, the drivers are a pain to absolve themselves of any wrongdoing. Thus, it is essential to go thoroughly into the causes and then proceed with maximum caution throughout the car accident claim.
Once the insurer is notified of the occurrence of a car accident, a representative of the insurance company is assigned the task of handling the claim. The first thing the investigator does is to find out if the insurance policy is valid and whether the loss or the damage is covered under the policy. The next step involves the interviewing of the parties involved and preparing a comprehensive report covering all witness statements. This step is critical because it establishes the party that is responsible for the losses incurred. Once the liability is fixed and it is established that the insurance company is responsible, the claim adjuster will evaluate the
damages on the car (or the damages that the car has caused) and the extent of bodily injuries if any. However, it is important to note that the insurance company is only responsible for the covered losses. Any damages beyond the purview of the accident will not be covered. It is also essential to know that medical information will play an important role in determining the amount that the insurance company will pay in settling a car accident claim.
How to Make your Car Accident Claim Stronger
As noted above, insurance companies will stop at nothing to ensure that the amount they pay you for car accident claims is as little as possible. To make sure that the claim is strong, you have the responsibility to prove that the accident happened due to the negligence of another party. Thus, the burden of proof lies squarely on you. It is, therefore, important that you collect as much information about the accident as possible. For instance, you have to get the details of the other party; record their address, their car number, their phone number, their insurance policy number, and even the type, the color and the plate number of their car. Also, get the contact information of the eyewitnesses. You can also take photographs of the accident scene. In case you are injured, get a medical report from your doctor. In a nutshell, the more facts you have to support your claim, the higher the payoff you are likely to get.
How the Claim is eventually settled
Most insurance companies are using complicated computer programs to calculate what they should pay for a given car accident claim. Their idea is just to legitimize the meager amounts they are willing to pay. It is, therefore, imperative to get the assistance of a car accident attorney in Mesa who understands car accident claims settlement properly. Remember that if you accept what an insurer is offering, there is no way to reverse the decision. Thus, if you are not satisfied with what your insurer is offering, it advisable that you file a lawsuit, and go to court for a legal determination as to how much what you are entitled.
Additional Resources For Car Accident Settlements & Claims
Contact Schenk Podolsky Attorneys at Law today, your Arizona Injury Lawyers in Mesa and Phoenix.
We are conveniently located off the U.S. 60 on Baseline Road between Val Vista and Greenfield in The Gateway Executive Suites.
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Phone: (480) 757-5000
Fax: (480) 471-5181
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