When you are hurt in a car accident, there are a lot of things that run through your mind, but most people aren't focused on suing the other driver or their own insurance company. Unfortunately, because of the way the world works, most people find that they are given far less of a settlement than they deserve, especially if the accident wasn't their fault. I wanted to create a blog all about choosing a better accident and personal injury attorney, so that you can prevent longterm financial ramifications from your accident. I know that a lot of these tips helped me along my journey.
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Being involved in an automobile collision is stressful; dealing with an auto accident liability dispute with insurance companies can take your stress to a whole new level. It is common for insurance companies to dispute the liability of their insured policyholder, even when the police report and the witnesses have stated that the insured was at-fault. The good news is a car accident attorney can help you build a case that shows the liability of the other driver involved in the collision.
Here are a few of the ways to deal with auto accident and how an auto accident attorney can help when you are in a liability dispute with the insurance companies.
Document Everything
Immediately after the collision, call the police and do not leave the scene. Using your cell phone or a camera to take pictures of the damages to your car, the other driver's car, the other driver's license plate, and anything that can indicate where you were when the accident happened, such as street signs or businesses. When confronting the other driver, witnesses or the police, do not accept blame and do not feel pressured to accept blame. Seek medical attention, even if you don't feel the need, and get a copy of all medical reports. A car accident attorney will need as much information as possible to help prove the other driver's liability, so document everything pertaining to the collision.
Contacting the Other Insurance Company
You should not contact the other driver's insurance company until after you have received medical treatment. The insurance adjuster will contact you, but you should not agree to make any statements. This reason for this is because the adjuster is attempting to save money for their company by reducing your potential settlement amount and any statement you make may be misinterpreted by the adjuster. Let the adjuster know that you will speak to them later and then consult with a car accident attorney as soon as possible. An auto accident attorney will be able to determine if your case will be disputed and what steps you should do to prevent taking a smaller settlement for your claim.
Determining Fault
If your car accident attorney has determined that you can sufficiently prove that the other driver is at fault, do not talk to the insurance company. Instead, provide the adjuster with the attorney's contact information. The insurance adjuster and your attorney will analyze the documents, police reports, medical records, and witness statements to determine how to proceed. In some situations, your attorney can reach a settlement agreement with the insurance company, but in some situations, you may have to appear in court. Either way, your attorney will represent you and attempt to get you the best settlement possible.
Automobile accidents that only involve minor damages and no injuries generally don't require the help of a car accident attorney. However, if your automobile sustained significant damage and/or you suffered injuries, getting help from an experienced auto accident attorney is essential to your claim. Auto accident attorneys often anticipate the various strategies insurance companies use and will be able to effectively counter these strategies, which can have a significant effect on a liability claim.
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