“Car Crash Insurance Claims: What to Know”
Car Crash Insurance Claims: What To Know
Being involved in a car crash can be a scary and overwhelming experience. You might not know what to do or who to turn to for help, and the last thing you want is to be taken advantage of by an insurance company. Knowing the basics of car crash insurance claims can help you understand your rights and protect yourself from wrongdoing.
What You Need to Know When Filing a Car Crash Claim
When filing a car crash insurance claim, it’s important to know how much coverage you have and what type of claim you should file. There are two main types of claims: first-party claims, which are filed directly with your own insurer; and third-party claims, which are filed with the insurer of the other driver involved in the accident.
It’s also important to understand the timeframe for filing a claim. Most states require that you file a claim within a certain period of time after the accident, usually three months. If you wait longer than this, your claim may be denied.
How an Attorney Can Help With Your Claim
In some cases, it may be beneficial to hire an attorney when filing a car crash insurance claim. An attorney can help ensure that you receive the compensation you deserve and can represent you in court if necessary.
An attorney can provide valuable insight into the legal process and advise on how to best approach your claim. They can also review any settlement offers made by your insurer and negotiate on your behalf if needed.
In addition, an attorney can provide guidance if the other driver’s insurer is refusing to pay out or is offering an amount that is significantly lower than what you’re entitled to. Having an experienced lawyer on your side can give you peace of mind knowing that all angles are being explored and your best interests are being considered.
What Damages Are Covered By Car Crash Insurance?
Most car crash insurance policies cover both physical damages (such as vehicle repair costs) and non-physical damages (such as medical bills). In some cases, they may also cover lost wages if you were unable to work due to the accident.
In some states, car crash insurance policies also cover emotional distress caused by the accident. This includes things like anxiety, depression, or post-traumatic stress disorder (PTSD). It’s important to check with your state’s laws to see if this type of coverage is available in your area.
Filing a car crash insurance claim can be a complicated process, but understanding the basics can help make it easier. Knowing what type of claim to file and how much coverage you have is essential for protecting yourself from wrongdoing or inadequate compensation. Finally, hiring an experienced attorney can help ensure that your rights are protected throughout the process and that you receive the compensation you deserve.