Role of Insurance Companies in Car Accident Claims
When you are in a car accident and sustain injuries and losses, you will likely feel overwhelmed.
You want to know that you will recover your health and that the party responsible for your damages will come through. If not, attorneys Wattel and York want to make you aware of the fact that there are legal options available to get the damages to which you are entitled. Additionally, you will want to know the role the insurance company will play and whether they are on your side. Let’s see what role insurance companies play.
What Will the Insurance Company Do When You Inform Them About the Accident?
For the insurance company to play a role in your car accident, you must contact them and let them know what happened as soon as possible. Once they know about the incident, they will assign an insurance adjuster to the case who will be responsible for investigating the accident to determine who was at fault and what percentage of fault should be assigned to each driver.
To reach a decision, they may start by looking at pictures and videos of the damage that your car sustained. They may visit the accident scene and interview both you and the other drivers involved. If there are any witnesses to the collision, they will also get their testimonies.
Additionally, they may review the following documents:
• The police report about the accident
• Your hospital bills, medical records, and any other bills to cover the treatment of your injuries
• Any proof you might have of the wages you have lost by being unable to go to work while tending to your injuries
They may also check your social media accounts to make sure your injuries are authentic. Once the insurance company receives this information, they will offer you a settlement amount for your claim. The amount will usually be based on fault and other factors. If it is determined that the other driver was at fault, you should get compensation from their insurance company.
Do You Have to Wait Until the Process is Complete to Start Your Medical Journey or Fix Your Car?
There is no need for you to wait until the investigation into the accident is complete before you seek medical care or get your car fixed as long as your policy covers both items. Before you take your car to a body shop, verify with the insurance company that you can go wherever you want. They may require you to use a specific mechanic to receive reimbursement for the cost. They may also ask you to provide several repair estimates before you can select one or they may only cover up to a certain amount and you may have to pay the difference.
Can My Insurance Write Off My Vehicle?
If the cost to repair your car is higher than what it is worth your insurance adjuster may decide to write off the vehicle. Insurance companies use the car's value to make an appraisal and some policies will cover the cost to purchase a new car.
What About My Medical Expenses?
Keep a detailed log of everything related to your injuries. Take pictures of their progress and a journal on how you are feeling. Keep all medical bills in an organized file. And if you find that the amount the insurance company has offered is insufficient to cover your medical expenses, you may want to consider hiring an attorney to help you with your claim.