If you’ve been injured in a car accident, knowing whether it makes financial sense to file an insurance claim can help alleviate some of the stress involved in getting your life back to normal. While each state has its own legal stipulations when it comes to claiming eligibility and claim limits, many insurance laws regarding claims dictate that another driver’s actions must be the cause of the damages and/or injuries. The majority of successful claims also require evidence that the injury and damage occurred as a direct result of the accident, and did not exist prior to the accident date. Predicting the amount of financial compensation you’ll receive from your claim and whether it makes sense to file a claim in the first place is easier with the help of a lawyer.
Lawyers that specialized in auto injury accidents, such as Dinks Finance, can advise on what types of damages an insurance company will compensate, and which expenses may be ineligible for reimbursement. Depending upon the nature of the injury and damages, a car accident victim may receive a settlement for undue suffering and emotional damages. There must be proof of damage to the victim’s vehicle, the driver at fault’s insurance policy must have adequate liability coverage limits, and in some states, the accident victim must also be carrying liability coverage at the time the damage occurred. If an injury happened as a result of the car accident, the victim must also seek immediate treatment. Some states also have a limitation on how long victims have to file a claim, but a good rule of thumb is to file a claim as soon as possible after the accident.
Although most car accident victims will notify their insurance companies immediately after a car accident, it is important to not rely exclusively on the insurance company to do its job. Consulting an auto injury accident lawyer can ensure that you are filing the claim properly and are able to get the maximum amount of compensation possible. Since it is in the best interest of the insurance company to provide the minimum amount of compensation, an attorney can ensure the insurance company is not limiting the compensation amount based on a standard formula.