When you file a car accident settlement claim, it is the insurance company that foots the bill. Although the other driver responsible for the accident is at fault for your injuries, it is rare that they could afford the settlement itself. Car insurance protects drivers from being unable to compensate others for costly damages. After you were injured in a car accident, you must use the evidence from your accident to prove that you were not at fault. The insurance company will attempt to settle your auto claim based on the severity of your damages. An Atlanta car accident lawyer will help negotiate a fair settlement by accurately calculating your damages and reaching out to the insurance company on your behalf. The insurance company will typically need to be bargained with; along with having your claims thoroughly investigated. Your attorney knows how to respond when the other party’s insurer undervalues your claim. Insurance companies have their own process for managing auto claim settlements.
Steps That Insurance Companies Take To Settle Your Auto Claim
You have a right to financial support to cover your medical costs, suffering, and other losses. To give you the best opportunity of receiving fair compensation, below are the processes for settling an insurance claim.
Demand Letter Reviewed
Your attorney will send a demand letter to the at-fault party’s insurance provider. The insurer receives this letter and begins the settlement claim process.
A claims adjuster chosen by the insurance provider will handle your claim. The adjuster will probably get in touch with you to get more details. Don’t exaggerate, and keep your descriptions accurate. Describe any pictures you may have taken at the location and any contact details you have for eyewitnesses.
When the adjuster has taken into account all of the incident’s details, including your insurance coverage and the vehicle’s damages, they will give a preliminary estimate of the cost of repairs. However, because you are working with an attorney, your estimate will be based on your settlement demand. Insurance companies often don’t include pain and suffering damages in their initial estimate, which is why attorneys are crucial.
Your attorney will determine a settlement amount that you believe is reasonable. The other party’s insurance company will negotiate with your attorney. The settlement should include all of your damages and not only be based on the insurance company’s estimate. Negotiation can continue for several months and up to a year. When negotiation doesn’t work, your attorney will also consider suing the other party.
In the majority of states, the other party’s primary insurance provider is responsible for paying damages. In Georgia, there is liability car insurance. If the other party caused an accident, this insurance policy covers any property damage or physical injuries that result from it. Georgia is a fault state regarding vehicle insurance claims.
Work With A Great Auto Claim Attorney
Your attorney can help you explore your options for pursuing reimbursement for injuries and damages. When you are wounded in a car accident as a result of another party’s conduct, you are owed compensation. Instead of relying on the insurance company to manage your auto claim, work with an attorney to get maximum compensation. They work on a contingency fee basis so that you only pay them once you win your settlement.