“Car Crash Insurance Claims: What You Need to Know”

Car Crash Insurance Claims: What You Need to Know

When you’re in a car accident, the first thing on your mind is probably the safety of everyone involved. While that should always be your priority, if you’ve been injured, then you’ll be looking into making a car crash insurance claim. To help you navigate the process, here’s what you need to know about making a claim after an automobile accident.

What Type of Insurance Claim Do You Need?

The type of insurance claim you should make will depend on the severity of the accident. If there was only minor damage and no injuries, then you may be able to do a third-party claim directly with your insurance company. This is like filing a police report and is usually done when both parties agree on liability and the amount of damage done.

If there were injuries or major damage, then it’s best to go through your own insurance company for a first-party claim. This is a more complicated process, as it involves proving negligence and damages. In some cases, it may even require going to court.

Gathering Evidence

To prove negligence and damages in a first-party claim, you’ll need evidence to support your case. This includes photos of the accident scene, medical bills and records, witness statements, police reports and any other documents related to the incident. The more evidence you have, the stronger your case will be.

Consulting With An Attorney

Insurance companies often try to minimize their payouts for car crash claims. That’s why it’s important to work with an attorney who can represent your best interests throughout the process. A lawyer can help you negotiate with the insurance company and ensure that you get fair compensation for your losses.

Filing The Claim

Once you have gathered all of your evidence and consulted with an attorney, it’s time to file the claim with your insurance company. Your attorney can help you complete all of the required paperwork and make sure everything is filed correctly and on time. They can also provide guidance on how long it will take for your claim to be processed and what kind of settlement offer you can expect from the insurance company.

Making Your Decision

When it comes time to make a decision about whether or not to accept an insurance settlement offer, it’s important to weigh all of your options carefully before making a decision. Your lawyer can provide valuable advice on what they think is the best course of action based on the evidence they have seen. Ultimately though, it is up to you to decide whether or not accepting an offer is in your best interest.


Making an insurance claim after a car crash isn’t always easy, but having an experienced attorney by your side can make all the difference in getting fair compensation for your losses. By gathering evidence, consulting with an attorney, filing your claim accurately and weighing all of your options carefully before making a decision about an offer from an insurance company, you can ensure that you get the best possible outcome from this difficult situation.