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What are the steps of the claims process?

An Overview of the Insurance Claim Process

When you get in an accident, what should you do? The first steps are easy:
  • Move your car to the side of the road;
  • Make sure no one is injured, and get medical help for those who are;
  • Call 911;
  • Take pictures of the vehicles;
  • Exchange information with the other party;
  • Call your insurance company.

Next comes the insurance claim process.

Dealing with your insurance company

Typically you will need to coordinate with your claims adjuster, who will ask you a series of questions, including:

  • What were the circumstances of the collision?
  • What are your injuries?
  • How badly damaged is your vehicle?
  • Where is your car located?

Sometimes the insurance adjuster will ask for a recorded statement from you about the accident. Most insurance policies require you to cooperate with the adjuster but do not require you to give a recorded statement.

Getting your vehicle repaired

Your insurance company will want you to use one of their preferred repair shops, but you are not required to do so. When you decide where you want the car fixed, tell the insurance company and the adjuster will reach an agreed price with the shop. This is the price that the insurance company agrees to pay, and the shop agrees to accept. You should not be charged anything other than your deductible.

Filing an injury claim

An injured person is entitled to recover the reasonable value of medical bills, lost wages, damaged vehicles, and a reasonable value for pain and suffering. Determining what a case is worth requires experience, and therefore it is best to consult with a personal injury lawyer. If you do decide to handle it yourself, remember that a statute of limitations limits the time you have to either file a claim or launch a lawsuit. Each state has its own statute of limitations, so ask an injury attorney what the statute is in your area.

Sometimes adjusters will just send a check for the amount they have deemed your case to be worth. Be very, very wary of signing and cashing such a check without first consulting an attorney. Once you cash it, your case is considered settled and cannot be re-opened later if your injuries and medical bills turn out to be more than originally thought.

Get legal help to maintain your rights and options after a serious car accident

When a serious collision happens, the best way to help an injured person is to find the legal help they will need to recover financially from the costs they are dealing with. Medical bills, lost wages from missed work, damaged vehicles, and other financial stresses are often associated with injury car accidents. An experienced injury lawyer will take over the process of financial recovery so that the injured person can concentrate on moving forward.

 
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Miami-Fort Lauderdale, FL

Florida State Laws on Car Accidents for Pembroke Pines Community

It is important to remember that Florida has a four-year statute of limitation for filing a law suit involving a car accident.

Florida is a no-fault insurance state requiring every driver to carry insurance to cover their own physical injuries regardless of who is at fault, and vehicle insurance coverage to cover damages to the other vehicle if you are at fault.

Corpus Christi, TX

How to Determine the Full Value of Your Car Accident Case

Determining the actual value of your car accident claim, and therefore how much you should ask for in return from the liable party’s insurance company, is a straightforward and simultaneously complicated process. It can be simple in terms of vehicular damage.  If you have been physically injured as a result of the car accident, you will need to know the cost of your own recovery, which is far easier said than done. Read more here about how professionals determine your claim value.

Savannah, GA

FREE Special Report – Settling Your Property Damage Claim Without an Attorney

This FREE special report will teach you how to settle your property damage claimwithout the help of an attorney.

In this report, you’ll find answers to questions like:

  • What exactly is property damage?
  • Should I settle with my insurance company or the at-fault insurance company?
  • What steps do I need to take to resolve my property damage-only claim?
  • Does anyone offer any consulting or coaching on how to deal with the insurance company?

Order your FREE report to find out!

Savannah, GA

FREE BOOK – 10 Secrets of Georgia Car Wreck Claims

BEFORE:

you talk to an adjuster . . .

you hire an attorney . . .

you sign any forms . . .

Get this FREE book to learn the SECRETS about . . .

Georgia car accident claims
Common myths associated with car wreck claims
How to find the right personal injury attorney to handle your claim
How to avoid the most common mistakes people make in their auto accident cases

Harlingen-Weslaco-Brownsville-McAllen, TX

After the Accident: Steps You Need to Take

How would you respond if an accident happened and you knew that you were not at fault? That response could make all the difference in the world when it comes to dealing with insurance companies and possible legal consequences, so you need to be aware of the right steps to take to ensure that your rights are protected.

Miami-Fort Lauderdale, FL

4 Common Myths about Personal Injury Law

But while fraud is a very real problem, it only makes up a small percentage of overall claims. And even those numbers should be taken with a grain of salt, because they tend to be put out there by the insurance companies themselves or organizations closely affiliated with them. Read more here about common myths related to personal injury claims.

Everett-Bellingham WA

Does size matter? In car v. semi crashes like this one, yes it does

A recent catastrophic accident involving two semi tractor trailers and six cars or pickup trucks showed how clearly large trucks have the advantage in an accident. However, does this mean cars are always going to lose in accidents with bigger vehicles? Increasingly, materials and engineering have leveled the field. Read more from Bill Coats Law in Bellingham, WA about top safety ratings for cars

Everett-Bellingham WA

Catastrophic car accidents and wrongful death - what survivors need to know

Bill Coats Law specializes in wrongful death cases in devastating car accidents. With empathy and grit, our lawyers walk survivors through the complicated process of financial recovery. Click here for this guide to basic questions answered about damages recoverable in wrongful death cases. 

Everett-Bellingham WA

What survivors need to know about recoverable damages in wrongful death cases

It may feel overwhelming to dig through all the complexities and bills at such a difficult time, but this short article by Bill Coats Law, a personal injury firm in Bellingham, WA, guides survivors through the morass. Click here to learn what survivors need to know about recoverable damages in wrongful death cases.

Everett-Bellingham WA

What kinds of damages are available in a wrongful death lawsuit?

Bill Coats Law, a personal injury firm in Bellingham, WA, specializes in wrongful death lawsuits and the complexities of car accident cases. A common question when family members come out of the fog and trauma of losing a loved one in a car accident is what kinds of damages are available to help them dig out of the financial tragedy. Click to read about your rights in wrongful death lawsuits

Everett-Bellingham WA

An often-overlooked key to winning settlements in personal injury cases

Negotiation, strategy, experience and skill - all of these qualities make a personal injury claim reach a successful verdict or settlement. But here is one key aspect that can easily be overlooked by personal injury attorneys working with injured people. Bill Coats Law, of Bellingham, Washington, is the top car accident law firm in the fourth corner and writes on this basic human quality that wins cases.

Everett-Bellingham WA

[VIDEO] A guide to using your uninsured/underinsured motorist protection

It's a step not everyone will have to take, but using your uninsured/underinsured motorist protection means some fairly complicated fine print can affect your claim. Insurers are skilled at looking for ways to reduce your compensation, as it saves their bottom line. Click here for a video series from Bill Coats Law on what you need to know about using your uninsured/underinsured motorist protection. 

Everett-Bellingham WA

Uninsured motorist coverage and wrongful death claims

It can be yet another devastating blow to learn that the person who killed someone you love in a car accident doesn't have a high enough policy to cover the wages your family will lose. But don't despair. There is a way to seek these damages. Click to learn more about uninsured motorist coverage in wrongful death claims

Everett-Bellingham WA

Take this step before you file for uninsured/underinsured motorist protection

A little-know rule called the Hamilton Rule factors into uninsured/underinsured motorist policies. Though very seldom used, it gives insurance companies the right to sue an at-fault driver before the victim would file a claim to recoup their losses. If you don't take this step in the right order, your insurance company deny your claim and pay you nothing. Click to watch this video by Bill Coats Law on taking this necessary step in the claims process.