Under the Personal Injury and Tort Law, a negligent driver who has caused injury, suffering, or emotional distress to another driver is liable to pay monetary damages. In other words, if you have been involved in a car accident that has brought you pain, loss of income, or disability, you are entitled to monetary damages to be paid by the driver at fault.
It is imperative to remember, however that while making an auto accident personal injury insurance claim is something that you can do on your own, it is best to hire the services of an attorney so you undertake the process with proper guidance. Here are the steps on making this type of insurance claim.
Build the Case
Several issues surround this kind of insurance claim. You need to establish the negligence of the driver at fault. You need to prove that the driver did something wrong to cause the accident. This can be done by gathering evidence from the scene and information from the police report.
Determine Damages
The term “damages” refers to the financial compensation for loss or injury. In a car accident, this is the amount to be paid for by the at-fault driver to recompense for any harm afflicted to the victim. To determine the right amount, you need to examine the car damage, medical expenses, and loss of income due to absence at work. It is also important to look at the non-economic damages caused by the negligent driver in terms of pain, suffering, disability, and/or permanent physical deformity of the victim. A car accident attorney can help you determine the amount of both economic and non-economic damages brought about by the accident.
Write an Auto Insurance Claim Letter
The auto insurance claim letter is a required legal document that provides details about the accident. An effective letter contains crucial information such as details of the car involved in the accident, estimated cost of vehicle repairs, injuries sustained during the accident, specific medical treatments and costs, cost of income loss after the accident, and so on. It is important for you to disclose everything that transpired during the accident so that the insurance company will be able to review your case properly.
Getting Legal Help
Getting the monetary damages you deem is fair is not an easy process. Knowing the right information and hiring a good car accident lawyer will give you better chances of a favorable result.
