Auto Accident FAQs
I have been in a car accident, what should I do?
First of all, call 911 to get medical help to the scene if you or anyone else is hurt. Make sure that you also get essential details from the other driver. You can take photos of the accident scene as they can come in handy when arguing your case. Notify your insurer about the accident so that you can proceed with the insurance claim process.
I was not at fault, should I still notify my insurance company?
Yes, you need to notify the insurer about any accident. It does not matter whether you were at fault or not.
What if the other party does not have insurance?
With the high insurance rates, sometimes it is possible to find drivers with no insurance on the road. Whenever you end up in an accident with a driver with no insurance, do not panic. It is best to consult with an auto insurance attorney on the steps to follow. Also, talk to your insurance company as some policies will still have you covered even if the other driver is uninsured or underinsured.
What damages can I claim for?
After an accident, you have every right to seek compensation for different types of damages. The most common will be paying for medical expenses. Considering treatment in the U.S. can be expensive, getting the bills paid should always be a priority. Other damages will include loss of wages, loss of enjoyment, loss of earning capacity, pain and suffering, and many more. It all comes down to the case details. With the help of a personal injury lawyer, you can always know what more to ask for after the accident.
Who can file a claim?
It can be you or a family member filing on your behalf. Sometimes you might not be in a position to file a claim, and that is where a family member comes in. If the accident leads to death, a family member will have to file for a wrongful death case to get compensation for the same. It does not have to be the driver alone. Sometimes you could be a pedestrian or cyclist. You still have the right to get compensated for the injuries and other damages.
I am partly to blame for the accident. Can I still file a claim?
This will largely depend on the circumstances of the case. You might need the help of a lawyer to look at all the evidence to advise you accordingly. In most cases, such claims will have split liability. This is where one side caters 50% of the damages while the insurance company pays for the other 50% of the damages.
How long will a claim take before being finalized?
Each case is different, so there is no definite answer as to how long a case will take. You will need to be patient with the process. It can last from weeks to months, depending on the case details. Sometimes the insurance company might take longer to respond to demand letters by the attorney. If the case ends up in court, then it can take even longer before you can have the settlement check processed.
If you have any more questions about auto accidents, it is best to consult a car accident lawyer to get all the answers. It is always best to be prepared for any outcome in such cases. With the guidance of a lawyer, you should end up with a good case.