The Role Insurance Companies Play in Car Accidents That Result in Personal Injuries
There are several steps to take immediately following a car accident, such as documenting the scene, taking pictures, filing a police report, and filing a claim with your auto insurance carrier. Filing the insurance claim can be one of the most difficult and confusing parts and often requires the skills of an experienced car accident attorney. Learn more with this overview on the role insurance companies play in car accidents and trucking accidents that result in personal injuries.
Once you have filed a claim, a representative from your insurance company will contact you by phone to gather more detailed information. In most cases, this representative will be a claims adjuster who investigates your claim on behalf of the insurance carrier. There are several things that your claims adjuster will do during the investigation, such as:
- Talk to witnesses
- Inspect your vehicle for damages
- Contact the other driver or drivers involved
- Request a copy of the police report
- Obtain your medical records to assess the full extent of your injuries
After your claims adjuster reviews all of the necessary information, he or she will contact the insurance carrier for the other driver. While the negligent driver’s insurance company should pay for the damages, many drivers only have a certain amount of coverage. This means that many insurance companies will deny you payment for your injuries once the other driver’s policy has reached its limit—forcing you to use your own coverage for the difference. In addition, many insurance companies delay payments, leaving the victim to cover their own medical bills and other financial responsibilities in the meantime.
Don’t let problems with a negligent driver’s insurance carrier deny you the compensation you deserve. The serious injury attorneys at Steinberg & Spencer will work with your insurance carrier to ensure that you receive the appropriate amount of compensation to cover the full extent of your injuries. Give our firm a call at (310) 450-5960 to get started.
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