Steps in Car Accident Insurance Claims

Car accident is one of the leading causes of personal injury. A few suffer minor injury but almost half of that involved severe injuries, permanent disability and death.

A recent study shows that car accident results thousands of deaths each year. In fact, it is the leading cause of death of people between the age of 6 and 27.

Having been involved in a car accident is a traumatic experience. Aside from the physical pain and suffering, there is emotional distress, loss of income and property damage. All of these constitute financial compensation, which one can recover from the party at fault or from his insurer.

How to determine damages after a car accident

After a car accident, the next thing to do is to ask for compensation for the injury and other damages suffered. With this, the help of a capable car accident insurance lawyer is certainly needed.

The following are the steps to consider in filling your claim.

  • Secure a copy of the police report.
  • Know what protection your insurance policy will provide.
  • Sign a medical release so that a copy of the medical record will be presented to the insurance company.
  • Make a claim for physical injuries under medical pay coverage.
  • If the other party is at fault, make a claim under the uninsured motorist coverage.
  • Secure at least two car repair estimates if your car is totaled.
  • Present estimates and allow your car to be photographed.
  • Present bills for storage and towing cause.
  • Ask your agent to help arrange a temporary substitute vehicle if you have rental reimbursement coverage.
  • Notify your agent for any damages discover during the repair.

After filling your claims against the party at fault, you can also file a claim against your insurer. Filling a claim against the latter requires patience and hard work. The following are essential dos and don’ts that will guide you to facilitate your claim.

Do’s

  • Do contact your insurance company immediately after the accident.
  • Do take time to read your insurance policy. This will guide you on what kind of claim you are covered.
  • Do your best to get details of the accident. You can also take pictures of the damaged vehicle or get the number of the witnesses.
  • Do make a note of the insurance detail of other persons involved in the accident.
  • Do keep a written account of your conversation with the insurance agent and other people involved in the accident.
  • Do keep receipts and bills of all expenses incurred in the accident to be presented to your insurer.
  • Do be frank and honest to your insurance collector so that your claim will not be denied.
  • Do check if you have other insurance policy that provides coverage for the same accident or injury.
  • Do consult a car accident insurance lawyer.

Don’ts

  • Do not admit any liability. Just stick on the facts without giving any opinion.
  • Do not give anything in writing to your insurance officer especially if you do not understand some part of our claim.
  • Do not let any time limit of your insurance claim runs out. Most of insurance company provides a period for filling claim after an injury. Do not disregard the period or else your claim will not be considered valid.
  • Do not take everything that your insurance agent tells you especially with regard to your claim. Most insurance companies like to settle claims in an amount smaller than that actually suffered.
  • Do not sign anything that is a release or a waiver of anything. If you are ask to sign and you are not sure of it call an attorney.
  • Do not take a check as a full and final payment unless you are certain that it is a fair compensation of your claim.

Your Guide to Making a Road Accident Claim

Everyone always wishes to plan a safe journey. A lot of precautions are taken. But sometimes it happens inevitably that your vehicle breaks down or you meet with an accident. The number of accidents on the motorways has been steadily increasing as the years go by, regardless of the reasons. In case you meet with an accident, you can make road accident claims. You could be injured as a passenger, driver or a pedestrian. It doesn’t matter. You can make a claim for any kind of injures you suffered.

An accident claims solicitor will be able to help you with this. They guide you in making the claim. You can explain your case and they will be able to tell you as to how much compensation you can receive on making the claim. They also suggest the steps to be taken for expediting the claim process.

If you provide your solicitor with all the required evidence then they will analyse your case in depth and suggest the suitable compensation plan. They are experienced in making the bike accident claims, crash claims, motorcycle accident claims, general road traffic accident claims, whiplash claims and so on.

However serious your injuries are, you can claim for compensation, with the help of your solicitor. You might have suffered grave injuries, lost your job, or even been crippled for life because of a road accident injury. Still you can claim compensation.

You do not receive the compensation so easily in few weeks. It takes a long time for the settlement to be made. A lot of time is consumed in the investigations process, police formalities and when dealing with the insurance companies. Lots of correspondence goes back and forth over a period of time.

The process of filing a road accident claim is in itself cumbersome. It depends on the type of accident and the plan for which the claim is made. The person claiming, is required to furnish certain basic information at the time of filing.

– Contact details of the parties involved in the accident – Their name address, telephone numbers and so on, are required for delivering the legal notice for claims.
– Accident details – All the general and specific details related to the accident and the circumstances in which it happened are necessary to be furnished while making the claim.
– Vehicle details – All the details regarding the vehicles involved in the accident, their registration numbers, model number, the make and so on are needed.

– Insurance particulars – Insurance details have to be compulsorily obtained for the claims. The details regarding the names of the insurance companies of both the parties and the insurance policy details are important.
– Witnesses – You can ask the names, address and contact numbers of the witnesses to the accident. This information will expedite the claim compensation procedure.
– Photographic evidence – Photographic evidence can best support your claims. You can take a photograph of the vehicles involved in the accident, the injured people, and the layout of the road, with a photo camera or a cell phone camera. If not photo evidence, you can also submit a sketch detailing the above.

Holiday Bus Accident Claims Lawyers!

No body expects to meet with an accident while holidaying. An accident or injury while holidaying can ruin the whole experience. Holidays are basically meant for relaxation. However, while travelling or residing at the hotel, a person meets with an injury, a claim can be made on the same. The bus in which you are travelling may meet with an accident. If you are insured, you can get compensation. If not, then it is very difficult to recover the losses.

Holiday bus accident claims lawyers can help get compensation quickly. These lawyers have ample experience in handling claims cases. They can provide with suitable guidance on making a claim. If you or anyone known to you has been involved in an accident or sustained a personal injury whilst on holiday, you can make a claim. Seeking help from such lawyers can help get compensation quickly. They can guide a claimant on the procedure to be followed to make a claim.

Since, holiday accident claims can vary to a large extent, seeking professional help can do wonders to the claims case. The specialists can guide claimant get compensation in an easy and hassle free manner. They have abundant experience in handling various kinds of holiday claims cases, viz., road, air and sea travel accidents, sporting accidents, trips, falls and even illnesses or general holiday complaints.

Injuries sustained due to the negligence of the third party can cause severe inconvenience and distress. Irrespective of the fact which part of the world you are, you can get compensation quickly for the losses suffered. Accident claims solicitors can guide a claimant get compensation fast. One can make a claim for almost any form of road traffic accident that occurs overseas. Whether you are a passenger on a bus or coach or whether you are travelling in your own car or hire vehicle, you have the right to make a holiday accident claim if you were involved in an accident which occurred through no fault of your own. Anyone, who has sustained injuries due to a slip, trip or fall, can make a claim. The accident claims experts can handle a holiday accident claim for a trip, slip and fall in a wide range of locations, including hotels, aircraft, cruise ships or ferries and bars or restaurants.

Holiday accident claims are not uncommon. However, not many people are aware of the fact that a person can make a claim for the losses suffered wile holidaying. It doesn’t matter if the holiday accident has resulted at home or abroad. The accident claim would be dealt with in the jurisdiction. Hence, there would be no problem in dealing with a claim in a foreign country.

Sadhna D, Expert Author, Platinum Status