Advertising
Advertising

How To Claim Car Accidents Claims

How To Claim Car Accidents Claims

Car accidents can happen due to a number of reasons, but a strong claim is possible only when you can prove that the other driver is at fault. Claims can be made for personal injuries such as whiplash injury, seat belt injury, airbag injury, or child restraints injury.

People who are in a car accident can claim compensation from the insurance company considering the extent of their injuries. Whether you are the passenger in the car, the driver of the car, or merely the pedestrian who gets injured in a car accident you have the right to receive compensation for the loss of income due to the accident, damages to the car, or any other expenses incurred due to the accident.

Advertising

The amount of claim depends on the extent of your injuries, but before making a claim you should follow these steps, so that you can receive maximum possible compensation:

  • Whatever the nature of the accident, call the police immediately so that there is an official record of the crash. Get a duplicate of the police report so that you can quickly file a claim with the insurance company.
  • Take photographs of the cars and the site of the accident with your phone.
  • Take clear pictures of your injuries incurred in the crash.
  • Make a complete file of all the tests, X-Rays, prescription receipts, and bills of all the treatments that you had to undergo after the accident. Make sure that all these documents are properly dated and signed.
  • Keep a record of all the expenses that you incurred due to the accident. For example, if you used taxi service instead of driving yourself due to the accident, or if you had to hire child care then all these expenses should be presented to the insurance company.
  • You should ask your employer to write a letter to the insurance company verifying the number of days you have missed work which has resulted in the loss of income.
  • You should also keep a written record of all the physical and emotional hardships that you had to face due to the car accident; this will strengthen your case and will also help you can receive the compensation that you deserve.
  • Write down the information about the other driver such as cell phone number, address, insurance details, car registration number, etc.
  • Write down the information of any witnesses present.

1. The amount of compensation

The amount of compensation depends on the extent of the injury. No two car accidents are the same neither are the injuries incurred similar that is why the amount of claim varies according to the situation. The best approach is to get expert advice from established claim advisers or your lawyer. Your situation, however, can be different if you do not have the driver’s insurance in case of car accident.

Advertising

2. Engage the services of a lawyer

Insurance companies will not accept your claim easily. They are in the business to make a profit and will try to have a quick settlement instead of paying the whole amount of the claim. It is better to have a solicitor advising you the whole time so that you are not coerced by the insurance company.

Your lawyer will also make sure that the insurance company takes your claim seriously and pays your claim promptly. Many insurance companies try to make a quick settlement instead of going to the court but having a lawyer will safeguard your interest. A personal injury lawyer will know the best angle to present your case in the court.

Advertising

He will have the experience to decide which evidence to submit to help you get the maximum possible compensation. His primary concern will be that you have a strong case and are compensated for all the physical and emotional injuries accordingly.

To make a valid claim, proof of other party’s negligence is essential as well as proper documentation regarding expenses incurred. Your lawyer should be able to show all the costs and expenditures and present your case in a way that enables you to receive the highest possible compensation.

Advertising

More by this author

Adnan Manzoor

Data Analyst & Life Coach

50 Free Online Resources for Self-Motivated Learners How to Relieve A Toothache When A Dentist Isn’t Nearby? Say Goodbye to Sleepless Nights! 10 Essential Oils That Help You Sleep Soundly. Are You Obsessed with Your Sneakers? They Can Be The Cause of Smelly Feet 5 Simple Tips to Reduce Stress and Stop Anxiety Quickly

Trending in Money

1 How to Use Credit Cards While Staying Out of Debt 2 How to Use Debt Snowball to Get out from a Financial Avalanche 3 How Personal Finance Software Helps You Get More Out of Your Money 4 The Best Ways to Save Money Even Impulsive Spenders Can Get Behind 5 How to Answer the Tough Question: What are Your Salary Requirements?

Read Next

Advertising
Advertising
Advertising

Last Updated on March 4, 2019

How to Use Credit Cards While Staying Out of Debt

How to Use Credit Cards While Staying Out of Debt

Many people will suggest that the best thing to do with your credit cards during these tough economic times is to cut them up with a pair of scissors. Indeed, if you are already in huge debt, you probably should stop using them and begin a payback strategy immediately. However, if you are not currently in trouble with your credit cards, there are wise ways to use them.

I happen to really love my credit cards so I will share with you my approach to how I use mine without getting into deep financial trouble.

Ever since about 1983 when I got my first Visa card, I continue to charge as many of my purchases as possible on credit. Everything from gas, groceries and monthly payments for services like my cable and home security monitoring are charged on credit. Despite my heavy usage, I have maintained the joy of never paying any interest fees at all on any of my credit cards.

Advertising

Here are some tips on how best to use your credit cards without falling into the trap of paying those nasty double-digit interest fees.

Do Not Treat Credit Cards as Your Funding Sources

Too many people treat their credit cards as funding sources for major purchases. Do not do this if you want to stay out of trouble. I use my credit cards as convenient financial instruments so I do not have to carry around much cash. In fact, I hate carrying cash, especially coins. When you buy things on credit, the purchases are clean and you will not get annoying coins back as change.

I do not rely on my Visa, MasterCard or American Express to fund any of my purchases, large or small. This brings me to my golden rule when it comes to whether I will pull out any of my credit cards either at a retail or online store.

Advertising

I never purchase anything with my credit cards if I do not have the actual cash on hand in my bank account.

If I really cannot pay for the item or service with cash that I already have at the bank, then I simply will not make the purchase. Remember, my credit cards are not used as funding sources. They are just convenient alternatives to actual cash in my pocket.

Make Sure to Always Pay Off Balances in Full Each Month

The next very important part of my overall strategy is to make absolutely sure that I pay the balances in full each and every month no matter how large they are. This should never be a problem if the cash has been budgeted for my purchases and secured in the bank. I have always paid my full balances each month ever since my very first credit card and this is why I never pay interest charges.

Advertising

Using Credit Cards with Rewards

Most of my credit cards are of the “no annual fees” type, including one MasterCard on a separate account I keep at home as a spare in case I lose my wallet or incur any fraudulent charges. However, I do use a main Visa card which does have an annual fee because all purchases on that card reward me with airline frequent flyer points. For me, the annual fee is worth it since I do travel and I get enough points to redeem many free flights.

You have to decide for yourself if you will charge enough purchases on credit each year without paying interest charges to warrant a credit card that rewards you with airline points (or other rewards). In my case, the answer is “yes” but that might not be the case for you.

I occasionally use a MasterCard or American Express card on small purchases just to keep those accounts active. Also, I have been to the odd retailer that accepted only a certain type of credit card, so I find that having one from each major company is quite handy. Aside from my main Visa card which earns the airline points, the rest of my cards are of the “no annual fees” variety.

Advertising

So this is how I use my credit cards without getting into any financial trouble with them. This strategy is recommended only if you are not in debt, of course. In fact, it is worth keeping in mind once you’re out of debt so that you can keep your credit cards active and treat them responsibly.

What are your credit card usage strategies? Let me know in the comments — I’d love to hear what methods you use.

Featured photo credit: Artem Bali via unsplash.com

Read Next