There are approximately 6 million car accidents in the United States every year. These accidents result in around 90 deaths per day, while more than 3 million people sustain injuries (2 million people experience permanent injuries). If you have been involved in an accident that was not entirely your fault, you may be entitled to justice and compensation.
The aftermath of a car accident can be a difficult and confusing time. In this blog post, we will share helpful information about how to file a car accident claim. We will highlight the different types of claims you can file and how to start the claim process.
What Types of Claim Can You File?
There are two main options when filing a car insurance claim. The first option is a first-party claim, which refers to a claim with your own insurance company. You may choose to file this type of claim if:
- You were at least partially at fault
- You live in a state with no-fault car insurance
- You are filling under your ‘personal injury protection’
- You have uninsured motorist coverage (if the other driver is uninsured)
- You are making a claim for vehicle damage under your collision coverage
The other option is to file a third-party claim. You may choose to do this if you believe the accident was caused by another driver. With this option, you would not have to pay a deducible.
We recommend that you speak to an experienced car accident attorney, such as 800goldlaw.com, to understand the best option for your specific case.
How to File a Car Accident Claim
It is always recommended that you partner with a car accident lawyer when filing a claim. They will help you to obtain the necessary evidence, prove liability, and negotiate a satisfactory settlement.
The first step after an accident is to gather important information and evidence (such as photos and witness reports). It is also essential that a police report is filed.
You should promptly report the accident to your car insurance company. Whether you are filing a first- or third-party claim, generally you will file the claim directly with your insurance provider. This is generally done online or over the phone.
An insurance adjuster will then investigate and handle your claim. Depending on the nature of the claim and the available evidence, there may be a quick settlement offer or a longer negation process.
The insurance company may push back on several issues, such as the extent of injuries sustained and who was at fault. Given that claims can be complex, your best option is to have a car accident lawyer working for you in your corner.
Filling a Car Accident Claim
The above information will help you to navigate your car accident claim and increase your chances of securing a positive outcome.
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