If you are in an accident you will need to file auto insurance claims with your auto insurance company. Your auto insurance company will get in touch with a claim adjuster. Claiming a loss is the first step in filing a claim for compensation from your auto insurance company. Claiming adjuster work for the auto insurance company to address claims, verify the facts of the accident, verify your policy, and then determine a reasonable settlement to pay for your loss or damaged vehicle. The insurance company will not pay anything to you until you have filed a successful claim with them.
Your auto insurance coverage typically provides coverage for property damage (physical damages to the insured’s car and property), medical expenses, towing and storage costs, and residual wages. Each state has different statutes of limitations on when a car accident can be filed. Generally speaking your coverage will become active after three years from the date of the accident.
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It is important to realize that each insurance company has different rules regarding when claims for damages must be filed. In some cases it is more difficult to obtain damages claims. For example, if you hit a deer or a squirrel on your way to work you may need to wait three years before you can make claims. Sometimes accidents occur when you are on your way to a holiday destination and there are no auto insurance providers to provide coverage. In this case you may need to hire a personal injury lawyer to file a claim.
Filing auto insurance claims requires knowledge of all the pertinent facts of the accident and you should gather all of your records, including the witnesses and the police report as soon as possible. Review the police report for any observations made by the officers. You should also review your car insurance policy or statements about who was at fault to determine who was at fault for the auto accident. If you have any questions regarding the specifics of your car insurance claim you should consult with an attorney experienced in filing car insurance claims.
An attorney experienced in making car insurance claims may be of assistance in many ways. For instance they may advise you as to what you need to do and where to go to file your claims adjuster. In addition, they will be able to answer questions regarding the settlement amounts. They will also be able to tell you whether your attorney will be paid by your insurance carrier directly or whether your attorney will receive part of the settlement through their firm.
Some auto insurance claims specialists will work on a contingency basis. This means that they only get paid if the claim is successful. Attorneys may also choose to work on a contingency fee basis. However, you should always insist that your attorney gets paid the full amount of any settlement he or she wins for you.