Auto accidents are never pleasant, but the process of filing a claim should be easy depending on the severity of the damage or injuries that took place. If you are in the process of filing a claim to the insurance company to repair the damages to your vehicle and cover the medical expenses, it is important to know what to do so the process goes as smoothly as possible.
Filing a Claim
If there are no injuries that require treatment, calling the police is the first step if you are involved in an accident. Before the police arrive, you will want to exchange your insurance information and if possible, take photos of the damage that was created as well as the scene of the accident itself. When the officers arrive, be sure to tell them the truth about what happened.
From the information, the police may or may not decide as to who was at fault. If the other party was at-fault, then you will need to file a claim with their insurance company. If you were at-fault and you have comprehensive insurance, you can file a claim with your company.
Be sure to include all the photos, relevant information, and answer the questions that are asked by the claims department. For most people, there should not be any issues assuming all the information was provided. It is simply a matter of time before you receive due compensation for your claim.
When you need an Attorney
For minor accidents when one party was clearly at-fault and due compensation from the claim was delivered, you will not need the services of an attorney. However, there are times in which you may need an experienced attorney to help you with the claims process.
Injuries: If there were injuries serious enough to require medical attention, you will almost certainly need an attorney skilled in getting the compensation needed to cover current and future treatments. Insurance companies generally loathe to provide as much as they could for treatments that require rehabilitation and future assistance.
Disputed Fault: If you believe that the fault of the accident was not yours and you have evidence that demonstrates that fact, an attorney will help present it to the insurance company. It is possible to challenge who was at fault in the accident and have it reversed if the evidence is presented correctly. An attorney with knowledge of the system can help you in this regard.
Unjust Compensation: This is the most common reason why people need attorneys. If the amount paid does not cover repairs or replacement of the vehicle, medical expenses, lost wages, and associated costs, an attorney can help you get full compensation for happened to you.