Road accidents happen every day. As a victim, you should receive compensation from the insurance cover of the negligent driver. Alternatively, the driver should pay you if they did not have a valid insurance cover at the time of the incident. So, how do you make an insurance claim? Below are some essential tips.
Establish The Facts Of The Accident
Establish the following:
- What time did the accident occur? What are the driver's name, vehicle registration and car model?
- What caused the accident? For example, it could be that the driver was drunk or driving on the wrong side of the road.
- What evidence do you have to back up your claims? For example, you could find a police report, witness testimony or CCTV footage.
- What happened after the incident? For example, did you seek immediate medical attention?
- Did you lose any property during the crash?
Appraise Your Injuries
It is probably the most challenging aspect of making your car accident claim. As a rule, you should not make your claim immediately after the accident. It ensures you have a comprehensive medical report from your doctors. For instance, what could have seemed as a simple fracture could have led to internal injuries. The easiest way to appraise your injuries is by checking medical reports to establish the costs of managing the injury. Additionally, you could also ask your doctor about the risk of future complications. If these exist, you should approximate the costs of managing this injury.
Filing And Following Up With The Insurance Company
Contact the insurance company and inform them of your intent to file a compensation claim. Most insurers will have a straightforward process, provided you have the required paperwork. They will also send an adjuster to verify the information you provided. If possible, you should avoid communicating with the adjuster without the representation of a lawyer. After this, the insurer will give an initial offer. You are allowed to counter this offer if you feel it does not adequately compensate you.
The best way to counter the insurance offer is by asking for a justification. You can expect the insurance company to intentionally derail this process by taking too long to answer your inquiries or give a counter offer. Since you may not have the expertise to conduct follow-ups, it is best that you hire a compensation lawyer. The compensation lawyer will use a variety of tactics to ensure the compensation process takes the least possible time. Besides, they will ensure you get fair compensation.