You were rear-ended at a traffic light or t-boned at an intersection, and now it’s time to file an insurance claim and deal with the damage. Chances are your vehicle isn’t the only victim of your car accident; you may have suffered serious injuries as well.
It is very important to follow specific insurance claim guidelines after your accident to maximize your chances of receiving a fair settlement. Follow these tips to do it right the first time, and don’t hesitate to involve a personal injury attorney to have an experienced professional on your side.
Step 1: Notify All Responsible Parties
A notification must be given to all individuals or parties who you believe are responsible for your injuries. You need to send a simple typed letter to each recipient to inform them of the basic information regarding your claim. This should include the date of the incident, your plans to file an insurance claim related to the accident and injury, and a request of acknowledgement.
Step 2: Gather Evidence
No insurance claim can be successfully processed without ample evidence. It isn’t enough to just hand over your medical bills. You (or your attorney!) also need to revisit the scene of the accident, safeguard all physical evidence, find and interview witnesses, and establish detailed documentation regarding your injuries.
The faster you can gather evidence and deliver it to the insurance company, the better your chances of a fair settlement.
Step 3: Establish Guilty Parties
Any personal injury claim requires proof of negligence from the guilty party. You must work to establish the following four elements of a personal injury:
- The defendant owed you an expected legal duty of care
- The defendant breached this duty of care
- The defendant’s breach directly caused your injuries
- You suffered monetary damages as a result of your injuries
Step 4: Calculate Your Claim
After everything else has been carefully established, you need to calculate the compensation you will request in your claim. Your compensation should cover your medical expenses, lost income, property damage, and pain and suffering.
Get the Help of an Attorney
Filing an insurance claim after a personal injury is best done with the support of an experienced personal injury attorney. Call The Law Office of Joseph P. Bartek in Bellingham, Washington at (36) 526-8584 today to schedule your free consultation.