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Common Car Accident Insurance Problems

What to Expect When You File a Claim for an Auto Accident Injury

When someone else’s negligence causes a motor vehicle accident and you are hurt, it would seem that recovering insurance would not be that difficult, particularly when circumstances clearly indicate who was at fault. But the process of obtaining compensation for auto accident injuries is often frustrating, confusing and intimidating. Here are some steps you can take to increase your chances of getting timely and fair compensation after a motor vehicle crash.

File Your Claim as Soon as Possible

You want to make certain that you get the medical care you require, but you also want to move as quickly as possible to file a claim. The longer you wait, the greater the risk that the insurance company will try to say your injury was not a result of the accident.

Know What Your Policy Covers and How Much You Can Recover

Be aware of limits of liability on your own policy. You also want to know if you have coverage for underinsured or uninsured motorists, in the event the other party did not have insurance, or only had insurance to cover damage to his or her vehicle. When you are hurt in a motor vehicle accident, your insurer typically pays some benefits up front and then seeks reimbursement from the at-fault party and his/her insurer, but there may be limits as to what your insurer will cover.

Keep All Relevant Evidence and Documentation

Don’t rely on police or others to conduct a thorough investigation of the accident. Take pictures at the scene, get statements from witnesses, and obtain a copy of the police report. Keep copies of all documents, but attach another copy of all evidence to your claim, as it may accelerate the process.

Contact Our Office

To arrange a free initial consultation, contact us online or call our office at (302) 777-1000. Evening and weekend meetings can be arranged upon request. We will come to your home or the hospital, if necessary.

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