May 14, 2013 by Michael Skousen
If you have been in a car accident, you will most likely need to file an insurance claim in order to recover expenses resulting from the accident. Depending on the severity of the accident and the circumstances surrounding it, the claims process can range from simple to complicated.
For example, a claim for an accident in which there was little damage and no medical expenses should be fairly straightforward. However, a more complicated case where the fault is unclear, or your insurance policy doesn’t offer enough coverage, it may take considerably longer to come to an agreeable settlement. In any case, but especially the latter, an experienced auto accident attorney can help advise you on the best course of action to ensure the maximum settlement.
Typically, an insurance adjuster will need to investigate your claim to determine the company’s liability. If the claim is to cover medical bills, the adjuster will send a medical authorization form for the release of your medical records.
Once the investigation is over, you will receive a settlement offer from the adjuster. This will tell you the amount the insurance company is willing to pay on your claim. Usually, this offer is on the low side. Keep in mind that if the initial offer is unacceptable, there is typically room for negotiation, especially if you have an attorney. If you know for sure what your accident claim is worth, you can preempt the settlement offer with your own settlement proposal. Your auto accident attorney can help you draft an effective demand letter.
If you feel that your insurance claim was unfairly denied, you can take the insurance company to court in order to get compensation. Keep in mind that if this is the case, you must act quickly, as there are statute of limitations for acting on most personal injury claims.
If you have been involved in an accident and find yourself filing or negotiation an auto insurance claim, choose a lawyer who will fight for you. Call the attorneys at Skousen, Gulbrandsen & Patience for a free initial consultation today at 480-833-8800.