If you have been injured or your vehicle damaged in an accident, a damage or injury claim can get you the compensation you need to get back on your feet. This article will describe the process needed to get the most from your settlement.
The aftermath of an accident can be a confusing time and with the rush of emotions (anger, guilt, frustration, etc.) it can be difficult to know the best way to proceed. In the heat of the moment, it can be easy to say or do things that reduce the likelihood of a satisfactory accident claim.
To avoid any complications separating you from your rightful compensation, the following article will include some helpful pointers on getting the most from your claim.
The Scene of the Incident
The entire accident may have been the fault of the other driver, but you will not be dealing with the driver when settling your accident claim, so don’t get too worked up. You will be dealing with the insurance provider that covers the driver’s automobile.
In order to get the best chances with the insurance company, you will need to get ahold of some important information. This will need to happen at the scene of the accident so have a place to take some notes.
You will need:
–The other driver’s name
-the other driver’s insurance provider
-the names and contact information of witnesses to the accident
-The names and badge numbers of any police officers arriving on the scene
It would also be important to gather some photographic evidence that sheds light on the incident. This modern era has bestowed the majority of the population with mobile devices capable of photographic imagery. While you are at the scene be sure you take some shots of the following scenes.
–the locations of the vehicles in relation with each other and traffic direction. Take this shot from several angles.
– Any physical damage sustained on the vehicles where they impacted.
– License plate numbers of all vehicles
Dealing with the Insurance Company
There is no reason your dealings here will not be amicable and friendly, but remember that the insurance company’s goal is to give you as little cash as they possibly can. They have a business to run and it’s not about signing a bunch of checks. The best approach is the one with plenty of information.
The insurance company will have two primary ways to protect their own interests in the case. First, they will try to get you to admit that this accident is entirely or at least partially your fault and you should, therefore, be given the minimal settlement.
The next ploy is even more tricky to combat. They will try to prove that you have not provided sufficient or proper evidence that supports your claims of loss. Often both of these techniques will be used in succession to wear away at your claim.
You can expect the process of going out and getting your well-deserved cash is frustrating and complex because only a fool is quickly parted with their gold. The best thing to do is to consider the caliber and experience of the insurance company and prepare a formidable case with all the information and documentation you need and then some.
Damages to Collect
The insurances will form their settlement price from the information and damages you include in your case. If you have left something out, they will assume you are not interested in these compensations or losses. Make sure you include:
–Personal Property Damage
In the end, the insurance company has no obligation to settle with you and will only do so if it is in their best interests to do so. They may respond to your accident claim with a meager settlement amount and finality in their statement. “This is the best we are going to offer! Take it or leave it or see you in court if you want anymore!”
Nevertheless, if they see you have a good case and proper documentation, they may not want to shoulder the expense of a court battle they will likely lose. It’s just not good for business.
What about Personal Injuries?
If you have sustained personal injuries in an accident, it is recommended to have your case handled by a qualified member of the legal community addressing these cases. It is likely that you will be eligible for reimbursement of time off work, compensation for injuries and other damages.