By following simple traffic rules, car accidents can easily be avoided. But these days drivers do not follow these simple rules resulting in unfortunate accidents. If you have suffered injuries due to such an event with no fault of yours you are eligible to file auto accident claims. You should know all the steps to file the claim and get the best compensation.
The first step would be to alert the police or local authorities that an accident has occurred. The authorities on arriving at the scene will file a report which will provide evidence while making insurance claims. For the damage to your car you should get in contact with your auto insurance company. If you are injured you need to inform your health insurance firm. While at the doctors chamber you should fill in the relevant details of the accident so that it acts as proof to the insurance company that you were indeed injured in the road mishap. The insurance company will note down details of your accident and get back to you as soon as possible. You would be visited by an insurance claim adjustor to gain further information and investigate your auto accident claims. It is necessary to hire a good personal injury lawyer who will give you legal advice and help you in understanding the various rules of filing a claim. It is best if the chosen lawyer offers no win no fees services.
Now let us see how the processes of filing auto accident claims work. Reporting the accident to the insurance company should be done as fast as possible. You should inform the insurance company the date, time, location and nature of your loss along with a description of damages and injuries, make and model of your vehicle. Also indicate the names, contact numbers and insurance information of yourself and any others involved. Then the adjuster would come and see whether your vehicle can be repaired or it is a complete loss.
Well there are various pre-agreed terms and conditions regarding how much money you will get for the repairs. You can get an estimate from a repair facility of your choice, but usually the insurance companies give the money according to their own estimate. Any supplements requested by the repair facility must be specially approved by the company.
In case of medical insurance there are policies that pay without considering whether you were at fault or not. This type of insurance coverage will pay for all medical bills which are related to the accident for you as well as co-passengers. There are reimbursable policies too where you must payback the company if you receive a settlement from the insurance company of the person at fault.
Generally auto accident claims are settled within a very short time but in some complex cases it could drag on for a longer period. When there is personal injury claims involved or lot of red flags present, a detailed investigation including an in-person recorded statement, gathering of medical bills, and negotiation with attorneys are required. If the insurance company thinks your claims are fraudulent they may do a background and credit check.
Author Resource:
Greg Baumgartner is a Houston car accident lawyer and the founder of the Baumgartner Law Firm, which is dedicated to helping personal injury victims. If you or a loved one have been seriously injured and would like to speak with a personal injury lawyer in Houston call the Baumgartner Firm at 281-587-1111.