How To File A Bodily Injury Claim Following An Auto Accident
If you were involved in an auto accident and have suffered injuries or other damages as a result, then you may be entitled to compensation. With millions of car accidents happening each year, a lot of people end up filing insurance claims. Insurance companies have reported that the average yearly claim for a car accident is more than $3,000 for property damage and up to $15,000 for personal injury.
The Basics Of Personal Injury Claims
Florida is a no-fault insurance state, so one of your only options may be to submit a claim to your insurance company. Filing a claim with the other party's insurance company isn't always an easy task to accomplish.
When filing your claim, you will need to prove that the other driver caused the accident and the accident caused your injuries. You will also need to prove the cost of your medical care, related expenses, and any pain and suffering you have experienced so you can receive a fair settlement.
Compensation For Damages
When we discuss damages, we are referring to any and all costs associated with personal injuries or property damage as a result of an accident. Personal injury damages include medical bills, out-of-pocket expenses, lost wages, and pain and suffering. Property damages include any costs involved to repair the vehicle and the overall value of any personal items that were in the vehicle at the time of the accident.
To receive compensation, you have to do what you can to prove the other driver involved in the auto accident was the negligent party. To do this, you need to collect as much evidence at the scene as possible such as an emergency medical services (EMS) report, a police report with details of the accidents, names and contact information of any witnesses, and accident diagrams.
Notify The Insurance Company
Once you have collected the evidence, it is time to contact your insurance company. You want to do this even when the accident is not your fault. Most insurance contracts include a notification clause stating that you have agreed to inform the insurance company about any accidents you are in and to cooperate in their investigation of the accident.
Next, you need to notify the at-fault driver's insurance company to share your intent of filing a claim. You will want to do this as soon as possible. If the other driver has already reported it, there should be a claim number. A separate adjuster may be assigned to handle each person in the claim independently.
When To Call An Attorney
The claims process after an accident can definitely be tricky to navigate, especially if you have suffered injuries and other damages. To ensure a reasonable settlement, you may want to consider calling a personal injury attorney to help you with the process.
You never want to put your trust in a claims adjuster to look out for your best interests because they are on the side of the insurance company. They don't always treat claimants fairly. The insurance company is going to do what they can to reach the lowest possible settlement to save money. This is easier for them to do when the person filing the claim does not have a personal injury attorney on their side.
Your attorney will be the go-between, so you can focus your efforts and attention on healing your injuries after the accident. Don't leave your chances at compensation up to insurance companies and claims adjusters.