If you have been in a car accident, your first move should be to file a claim with your insurance company. This will make it possible to get reimbursed for the damage done to your car as well as cover any medical bills that you may incur if you live in a no fault state. If you live in a tort state, filing an insurance claim may be just the first step toward getting your money.
How Do You File an Insurance Claim?
Filing an insurance claim is a fairly easy process. All you need to do is call or access your account online to notify your provider about the accident. You should be able to speak to a representative from your insurance company immediately if you call, or you should get an email response or phone call in response to an online claim within minutes.
What Should You Do When You File?
Have as much evidence as possible when you file your claim. The main advantage to filing a claim online is that you may be able to submit photos and copies of witness statements and the police report regarding the accident along with your claim. This makes it easier to move the claim process along and have your claim approved within hours or days instead of days or weeks.
Report the Accident When it Happens
It is in your best interest to report the accident as soon as possible. In some states, you may have 10 days or less to report an accident to your insurance company if you wish to file a claim in your case. Failing to report an accident to your insurance company may also be considered fraud depending on the circumstances surrounding the accident and why you neglected to report it.
Filing an insurance claim is a fast and easy process that anyone can do. By filing a claim, you are telling your insurance company that you have been involved in a crash and are seeking compensation based on the terms of your policy. If you don’t do this, you could be passing up your right to get compensation either now or in the future.
How Much Compensation for a Car Accident?
How much compensation could you receive if you were hurt in a car accident that you were not at fault for? The answer to that question depends on the facts in the case and how badly you were hurt. Let’s go over what type of compensation you would be eligible to receive and how the amount of compensation that you receive is determined.
What Can You Be Compensated For?
There are a variety of ways that someone who is hurt in an accident can be compensated. For example, you could receive compensation to pay for medical bills already incurred as well as anticipated medical expenses such as long-term care after you are released from the hospital. You could also be compensated for pain and suffering or emotional distress that occurred as a result of the accident. If the person who hit you doesn’t have insurance, it is possible to sue for the cost of repairing your car or to replace anything that was in your car.
How Is Compensation Determined?
There are two ways that compensation can be determined in a car accident case. The first way is to go to trial and have a jury decide how much money you should get from the person who hit you. The other way to determine compensation is to have your Dallas personal injury lawyer settle the case for you before the case goes to trial. In a settlement, the responsible party or their insurance company makes a lump sum payment to end the case.
A Judge Could Always Alter the Amount
The compensation awarded to an accident victim by a jury must be reasonable. For instance, a driver who suffers a mere dent to the drivers side door and a scratch on the cheek would not be entitled to a $1 million award. If you were involved in such a case, the judge would probably give you money for the damage to your car and whatever it cost to seek medical care.
The amount of money that you could be eligible for in a car accident case depends on many factors. In general, a car accident victim may receive more at trial as jurors tend to think with their emotions as opposed to pure numbers. Therefore, it may behoove the party responsible for an accident to settle instead of going to trial.