After an auto accident, trying to convince the insurance company to offer fair compensation and dealing with the damage the situation caused is overwhelming and time-consuming. It's challenging to deal with the insurance company because their first instinct is to try to prove you were at fault for the accident. And because each case is unique, it's challenging to find a guide that provides information on how to show the other driver's insurer was at fault. Luckily, things are clear in most accidents, and the police report brings light to the facts. But, as stated before, all cases are different and require special tactics to handle them. Here are some guidelines to help you settle a car accident claim effectively. Even if you may think you drive responsibly and there are low chances to have an accident, it's always best to have the information at hand.
What to do first
At the accident scene, make sure you and everyone involved in the accident is safe and only after you figure out no one has life-threatening injuries, start documenting the case. Even if someone else caused the accident, you wouldn't deal with them for the personal injury claim; you'll get in touch with their insurance provider that will try to settle the case. Because they are professionals who handle these cases on a daily basis, you need all information you can gather to get fair compensation.
While at the scene, get the other driver's contact details, the insurance company's contact information, write down names and phone numbers for the witnesses and ask the law enforcement officers to provide you with a copy of the car accident report.
It's also good to take photos of the accident. Take shots of the vehicles' locations, the areas of physical damage on the cars, and the license plates of all vehicles involved.
The best way to settle for fair compensation is to hire a personal injury lawyer. If you don't have your own, run a Google search with the keywords car accident lawyer near me and it will provide you with a list of professionals that work in your city and can help you in the process.
What type of damage can you collect compensation for?
When you file a car accident claim for property damage, you can collect money for a series of damages like
- Vehicle damage
- Personal property damage – when an item like a computer or bike on a carrier was destroyed in the accident
- Car rental – insurance providers reimburse you for a rental car you use while your vehicle is repaired
- Out-of-pocket expenses – you had to pay for a taxi to get to the hospital after the accident
The insurance company can extend the settlement offer to you based on the information you provide. Ensure you document all expenses for the insurer to compensate for your loss. Also, keep in mind that it will enter a settlement agreement only if it's in their best interest because litigation is pricey.