Navigating a car accident can be overwhelming. Here are crucial steps recommended by a seasoned car accident lawyer:
When someone hits your car, initially assess the situation. If it’s the other driver’s fault, contact their insurance company. However, notify your insurance provider if there’s a chance of a fault dispute or if the other driver is uninsured.
Document everything at the scene. Use your phone to capture driver’s licenses, insurance cards, and license plates of all involved cars. Photograph the damages and record an audio discussion if possible, but respect privacy laws.
Afterward, contact the at-fault driver’s insurance company to file a claim. Explain the incident, and they will assign a claims handler. The adjuster will verify the details and hopefully expedite the claim process.
But roadblocks may occur, like an uninsured driver, lapsed policy, or denial of fault. In such cases, the other insurance company might delay or struggle to locate their client. This can lead to complexities in claiming damages.
If complications arise, your insurance could step in (if you have the right coverage) and cover the claim, then pursue reimbursement from the at-fault party. Working with a third-party claims handler might aid in evaluations and dealing with other carriers.
Should you encounter issues with damage evaluations, consider consulting a car accident lawyer. They can guide you through the legal process and offer insights on handling insurance companies.
Remember, it’s essential to follow legal guidelines and respect privacy when documenting the accident. Seeking legal counsel can significantly ease the complexities of car accident claims.