Learning More About Your Accident

What Steps Go Into An Auto Accident Claim?

Every auto accident lawyer has a process for handling their clients' claims. For folks who've never dealt with the system before, it can feel slow and even downright unjust at times. It can be helpful to learn a bit about why the typical auto accident attorney working with a client might take a steady step-by-step approach.

Gathering Information

Once you've settled a claim, there's close to zero chance you'll get another opportunity to be compensated. That means your lawyer will want to have as much information as possible before they move forward. This includes collecting information from police reports, witnesses, experts, and medical reports. You don't want to file a claim until you're reasonably sure that every detail has been covered, especially in terms of the bodily injuries you're seeking compensation for.

It's notable that most states allow between two and three years from the time of an incident to file a claim. Unless it's close to the statutory limit for filing a case, your right to file is rarely endangered by slowing down to get the specifics right.

Sending a Demand Letter

Expressing an intent in writing to seek compensation puts a claim in motion. For most law firms, this means putting together a demand letter that explains their client's version of events, how they were injured, who they hold responsible, and what level of compensation they believe would make things right.

In most states, 20 to 60 days must pass to give the insurer a chance to respond. They have the right to just ignore the letter and wait to be sued, but most will send a formal rejection, acceptance, or counteroffer.

Insurance company responses are almost always made based off a combination of data tables and the recommendation of a claims adjuster. The adjuster will first examine the legitimacy of the claim, looking at whether your version of events is sensible. They will then look at whether the compensation you're seeking corresponds with the company's data about similar injuries from similar incidents. If a settlement is proposed, it will be in line with what the insurer has seen in similar cases.

Starting a Lawsuit

If a settlement can't be reached or a claim is outright rejected, a lawsuit is the next step. A small minority of cases ever make it to trial, but pushing for one can encourage renewed negotiations. When a case does go to court, it is tried under civil laws covering personal injuries.

About Me

Learning More About Your Accident

How much do you really know about the day you got into a car accident? If you are working by yourself, it might be hard to find out who the other drivers were that caused the accident, what the traffic camera footage shows, and how many police officers arrived to help. However, if you make the right decision and work with an accident attorney, he or she can do all of the detective work for you. I know how important knowing the facts can be when you are researching your case, which is why I want to spread the word about working with a lawyer.