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.
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.
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.
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.