An auto accident can be a very frightening experience, and attempting to recover losses does not make the process any simpler. It can be confusing to deal with insurers, especially if you aren’t familiar with the terminology or you don’t know how much your case is worth. It’s best to hire a personal injury attorney that handles auto accident cases and can deal with the other driver’s insurance company.
Notify the At-Fault Party
In this case, the “at fault” party is likely the other driver’s insurance company. You will need to find out how much coverage is available, and many drivers either do not have enough insurance (or none at all). When purchasing insurance, buy enough coverage so that you are protected in the event of an accident with an underinsured or uninsured motorist.
Investigating the Accident
When you are in an accident, the other driver’s insurer will need certain documentation. You and your Personal Injury Easton PA attorney can gather police reports, traffic citations, accident scene photos, names/contact information of witnesses, photos of injuries, and pay stubs to prove how much money you have lost due to the accident. Without such documentation, the insurer will have a difficult time assigning a dollar value to your claim.
Insurer Negotiations
After providing the necessary documentation, you and your lawyer will negotiate for fair compensation. Knowing the value of your case can be difficult, and you will need the help of an attorney to get the money you deserve. The negotiation process begins when you send a demand letter that states the following:
* Why the other driver and their insurer are at fault
* Your injuries and their effects
* Your current and future medical bills
* Your income loss
* Miscellaneous damages
* A request for a specific sum
Obtaining a Settlement
The other driver’s insurance company will likely try to settle with you for less than you requested in your demand letter. If you cannot get the amount you want for your claim, your only other option is to take the case to court. If you or a family member has been in an automobile accident, talk to a Personal Injury Easton PA lawyer right away to learn how you can protect your legal rights.
