Compensation For Auto Accident Personal Injury Claims
If you have been injured in an auto accident, you are going to want to be compensated for medical bills, lost wages, and related expenses. Taking the following steps after an auto accident will help you get the most out of your personal injury claim.
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1) Call the Police After the Auto Accident
Even if you are only mildly injured, it is imperative that you call the police from the scene of the accident, and later obtain a copy of the official police report.
The official police report will contain several details?often including the police officer’s opinion of who was at fault ?that will help you obtain the highest possible settlement from your insurance company.
2) Document the Auto Accident Details
As soon as you are physically able, begin making notes about the auto accident. Try to include as many details as you can, such as those listed on an accident report form. You can obtain this form from your car insurance company and keep it in your vehicle glove box.
You should also document all accident-related expenses, to include repair and personal injury expenses .
3) Contact the Other Party's Auto Insurance Company
Once you have clear picture of the accident and accident-related expenses, write a letter of notification
to the at-fault driver’s auto insurance company. This letter should be a general letter, as opposed to a detailed account of the accident itself.
Include the following information only in your letter of notification:
- Your name.
- Date and location of the accident.
- Notification that you were injured.
- Date that you wrote the letter of notification.
The purpose of this letter is to alert the auto insurance company of your injury, and to signal your potential intent to file an accident claim. This way, the insurance company is not blindsided by the claim itself. If you carry personal injury protection. write a letter of notification to your own insurance company as well.
4) Hire a Personal Injury Attorney
Hiring a personal injury attorney increases your chances of receiving a fair settlement from an insurance company. Because car insurance companies profit from under compensating injured persons, many companies will automatically offer lower settlements to persons not working with a personal injury attorney.
For this reason, it is advisable to hire a personal injury lawyer prior to filing your accident claim. You can find a personal injury attorney by asking for referrals from friends, family, and professional colleagues. You can also use a referral service, such as those provided by state bar associations.