Car accidents often lead to injuries ranging from whiplash and other soft tissue injuries to more serious, and even fatal injuries. Usually, liability for a car accident is fairly clear and one-sided, and an injured party has the right to be compensated by the at-fault driver.
Many people do not recognize how many car accident injury claims end in settlement. The fact is that the vast majority of injury lawsuits settle usually well before trial. Not to mention the fact that a large percentage of insurance claims are resolved through settlement without a lawsuit ever having been filed.
However, there are also advantages to going to court with a personal injury lawyer and letting a judge or jury decide your case. Each injury case is different and there are many factors to consider.
In this article, we’ll take a look at both options: settling your car accident injury claim and going through with a court trial.
Car Accidents & Insurance Companies
In most cases, hit-and-run accidents involving serious or long-term injuries require the assistance of a Hit and Run Accident Attorney in order to get the most desirable outcome. An automobile accident brings with it a host of questions.
Who is at fault? Who pays for damage to my car? Who will pay for my medical bills? How much should I get for pain and suffering? Can I ask the insurance company to reimburse me for lost wages?
An experienced personal injury attorney can be extremely helpful in negotiating the often chaotic and confusing world of insurance claims and settlements.
The Tricks of Car Insurance Companies
If you have been involved in a car accident, or if you know someone who has been involved in one, you’ll definitely want to file an insurance claim.
Car insurance companies know they need to pay claims to compensate for injuries sustained in the car accident. And not only do car insurance companies need to pay claims, they must pay claims that are less than expected.
Therefore, car insurance companies are under a lot of pressure to reduce their risk of losing money if a car accident injury claims are filed.
In most cases, those who have a car accident lawsuit will be awarded large amounts of money. The amount that your car insurance company has to pay out is not set in stone. However, the general guidelines are as follows: A car accident can’t be held responsible for non-existing car insurance coverage when it causes an injury.
Also, insurance companies have no obligation to pay an injured person any money unless your injury was insured under your driver’s auto policy. Most likely, in many cases, the amount that your car insurance company has to pay out is reduced.
Things You Should Be Aware of the Car Insurance Company
If you didn’t have enough cash to pay for your car accident injury claims when you first filed them, you will probably have to pay your insurance company a portion of your claim in settlement.
Your car insurance company may offer you different payout percentages. Many people find that the amount they were originally offered depends on their deductible. Many insurance companies base a deductible on your pre-existing medical expenses.
For example, if you are below $1,500 in medical expenses, then you have a very low deductible. On the other hand, if you have several serious injuries and have over $2,000 in medical expenses, you may get a higher settlement.
Also, insurance companies may try to add in any expenses the injured person incurred (such as lost wages or lost income) as a reduction to your settlement. It is important that your insurance adjuster be understanding about this aspect of the negotiation. They will know the specific procedures that your insurance company used and what a deductible usually means.
What Should You Do After a Car Accident?
If you are looking to file a civil suit against your auto insurance company and settle the claim quickly, exclusiveleadsagency.com it’s the best solution for you in this situation. In many cases, a civil lawsuit that results in a judgment can be paid for entirely by your insurance company.
Your car accident lawyer can help you write the settlement agreement that the company must follow. Some attorneys also offer truck accident law services for small businesses and individuals who suffer injuries during car accidents. Other attorneys work on personal injury cases at general law firms.
Your car accident lawyer will be familiar with the individual state laws. You should also remember that one injury is not a violation of law when it happens in multiple states. Also, if the insurance company demands more money than they were originally quoted, you may be able to file a lawsuit on your own to collect the excess.
Car accidents can result in injuries, from minor to severe. It often leads to personal injury claims. Liability is usually clear and it allows injured parties to seek compensation from the at-fault driver. Insurance companies aim to minimize payouts but must compensate for injuries and a skilled personal injury attorney can navigate insurance complexities.