The outcome of an accident is always devastating and unfortunate. However, you can ensure you receive due compensation for your loss, and the expenses are not your burden.
Knowing the options available and following the correct steps to file a claim assures you of a suitable outcome as a relief.
The First Action: Fill personal injury claim
The first action following an accident must be contacting your insurance provider or agent.
File a report with them within seven days, and they can begin investigations. Failing to report may lead to dismissal of your claim and reduction in an insurance claim.
Here are some of the details they require to open a new case –
- Vehicle details – manufacturer, registration, and license.
- Accident details – the driver’s name and license number.
- Date and location of the accident.
- Policy number.
- The extent of damages and injury.
- The number of people involved.
- Description of events.
- Investigation Officers’ details.
What happens after filing the claim form?
Once you file the claim, you complete a Proof of Loss form.
The insurer determines your responsibility in the accident and how much amount they are willing to cover.
You can get a lawyer to settle the terms of your accident. They collect photographs, footage, and witness statements that can help you strengthen your case.
Take the case to court
If the insurance company does not compensate for your expenses, you can take the case to court.
You have to prove how the driver’s actions or low maintenance directly led to your injury in court.
Type of Settlements
Initially, the judge recommends mediation and settling the charges outside the courtroom. Lawyers can assist you in negotiations and defend your interests. In case you cannot attend the meetings or hearing, they act on your behalf to represent you.
If the settlement outside court fails, both parties can now proceed to trial. It is a prolonged and expensive process involving multiple hearing dates.
Following the discovery, the lawyers from either party open statements and highlight the events that led to the accidents.
The judge passes the final verdict based on the degree of injuries sustained and the accident’s manner. Medical records, police, and witness statements contribute to preparing the judgment.
A word of caution
You can lose a personal injury claim depending on how much your involvement was leading to the accident. Having responsibility for 25% can increase the rates of renewal of your insurance plan.
You can find out more about accidents and personal injury claims from expert lawyers by filling up the form on our website.