Everything You Always Wanted to Know About Car Accident Claims in the US

BusinessEverything You Always Wanted to Know About Car Accident...

In the US, there are approximately 7.3 million car accidents every year. While this statistic may be very shocking, it’s just a small part of the bigger picture, especially when it comes to car accident claims.

As a victim of a car accident, you are entitled to compensation, either for injuries or property damages. However, securing compensation can be difficult, as the claim process is fairly complex. That’s why you need the best car accident lawyers on your side when making an auto accident claim.

In this article, we will cover everything you need to know about car accident claims in the US. Let’s explore the basic concepts first!

The Different Types of Car Accident Claims

There are two different types of car accident claims that you can file. The two claims include:

  • First-party claims
  • Third-party claims

First-Party Claim

A first-party claim is the one that you make against your own motor insurance policy. However, this form of claim only occurs in various circumstances.

Below are some of the circumstances that may force you to file a first-party insurance claim in the US:

  • You are making a claim to get compensated for car damages resulting from your own collision.
  • The other driver lacks enough insurance or has no insurance, and you decide to file a claim against your own underinsured motorist or uninsured motorist.
  • You are based in a no-fault motor insurance state and would wish to recover benefits under individual personal injury protection or medical payments coverage.

Third-Party Claim

A third-party claim is the one that you file against another driver’s car insurance policy in situations where you think the other driver was at fault during the accident. Normally, you file a third-party claim to get compensated for property damage, personal injuries, or even both.

Things You Need to Do After an Accident

Normally, when you are involved in an accident, the law clearly states that you need to stop to facilitate gathering the information needed for filing your car insurance claim. Besides that, what else do you need to do after a car accident?

1. Check on Yourself and Your Passengers

The first thing that you need to do after a car accident is to make sure that you and your passengers are okay. This step is necessary to ensure that first aid is done for any personal injuries acquired in the crash.

In some instances, you will also need to check on the other driver to make sure that they are okay. However, avoid leaving your car on a busy highway. Instead, stay in your car and dial 911 and wait for the police.

2. Gather All the Necessary Information

After confirming that you are okay, you can proceed to gather all the necessary information that you need to file a car accident insurance claim. Also, ensure that you provide the other driver with the necessary information.

Some of the information you will need include:

  • Contact information for all the witnesses (your lawyer can also record their statements)
  • Photos of the accident scene, including personal injuries and damage caused to both cars
  • Details such as make, model, year and license plate for the other car involved in the accident
  • Surveillance footage of the accident (if possible)
  • Police report where you have engaged a police office

3. Contact Your Insurance Company

Regardless of whether you were at fault or not, make sure that you contact your insurance company. Most insurance companies have a deadline for submitting car accident claims, so you should not waste much time before contacting them.

Technology can also come in handy for you here, as most insurers allow you to file claims on their mobile apps using your phone. Also confirm the time limit for submitting bills, submitting additional information, and resolving your motor accident claim disputes.

Reasons Why a Car Accident Claim May Be Denied

A car accident claim may be denied because of the following reasons:

  • If you do not file your claim in time
  • If you delay the treatment of personal injuries sustained in the accident
  • If the accident is deemed avoidable or preventable – for example, if you let an unlicensed driver drive your car

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