How to Settle a Car Accident That Wasn’t Your Fault
Although no one wants to experience a car crash, it happens far too frequently. The most frustrating thing of all is getting involved in a car crash that was not a person’s fault yet someone unfairly blames them for it. Tempers generally run high at such instances and people are unable to keep a sane mind.
However, keeping calm is the most vital thing to do if a person has gotten involved in a car accident because such incidents directly fall under the jurisdiction of the law, and anything out of line might land you in trouble- even if it was not originally your fault.
If a person has been hurt in a vehicle accident that wasn’t their fault, they should know that they’re entitled to compensation for their losses under the law. Insurance companies and defense lawyers, on the other hand, will work against the victim and do all they can to reduce the reimbursement amount they receive, read more here https://butlerfirm.com/atlanta-car-accident-lawyers/.
Furthermore, most people are unaware of these issues and maybe perplexed by the entire automobile accident compensation procedure. Hence, if a person has been a victim of a car crash and is wrongfully accused of the same, they should be able to get out of that fix without facing a lot of hassles.
The following are a few fundamentals regarding automobile accident settlements to ensure you get a reasonable payout for your injuries.
Be Attentive and Collect Evidence
It’s critical to carefully document your case if you want to be eligible for an accident compensation award. It’s not enough to inform authorities about the accident and the losses you’ve sustained. If you want to be credible, you must also offer proof of any assertions you make.
This involves gathering evidence such as medical records, medications, bills, receipts, and any other papers that may serve as proof of the accident’s influence on your life and well-being. These papers will aid in the development of your case and enhance your prospects of a favorable settlement.
Utilize the Help of Technology
If your smartphone is not damaged in the crash, use it to capture enough photographs of the damaged cars, the number plates, the surroundings, and literally anything that you might feel is important. You may also record a video because it will serve as a better source of evidence if the situation requires it. If you are unable to obtain photographs, it may be helpful to hand sketch how the accident occurred, or at the very least how the automobiles were positioned.
Using satellite photos of the junction or accident location from Google Maps may also aid in determining how the accident occurred. This way, you will be able to show exactly how the accident happened and prove to the authorities that you are not at fault.
Good auto insurance companies provide mobile applications that offer its users a detailed guideline on how to function and collect relevant evidence from an accident site. The guidelines also direct the users on how to file claims with the insurance provider of the other party. Hence, to better manage the situation, you should examine beforehand if your auto insurance carrier offers a mobile app that might assist you in documenting the collision while you’re on the scene.
Don’t Settle For the First Offer You Receive
The first offer is always the worst offer- these are the golden words to live by when you have been a victim of a car crash. Most insurance companies and attorneys will rush to make an offer and settle the case as quickly as possible after the accident, but the initial proposal you receive is likely to be far less than the amount of compensation you actually deserve.
It might be tempting to take the offer and be done with it after all the agony and misery you’ve undergone. However, because you’ll need financial assistance to get back on your feet, this might be harmful to your rehabilitation. Receiving a low settlement sum might stymie your recovery efforts. To receive a decent deal, you’ll need to be patient and bargain.
Listen To Your Doctor
This is an extremely crucial step, all the more, because most people do not heed this advice. Even some minor problems might hugely impact the settlement you receive from the insurance company. They might charge you with not following the doctor’s prescriptions closely enough and deliberately deteriorating your health. Hence, you must listen to your doctor’s advice to the last detail and this will ensure that none of the insurance companies can wrongly accuse you of anything.
Carefully Analyse Your Chances to Win
If you are not at fault, always remember that the ball is in your court. Your vehicle insurance premiums are unlikely to rise at renewal time if you are only a victim and not the perpetrator. This is an unfair world. Hence if you do not have enough evidence that the whole incident was not your fault, you might be asked to seek reimbursement from your own insurance company.
It is very difficult to win against your opposition’s insurance company. This is the case even though not conducting a reasonable investigation into the facts, or denying coverage when its culpability is clearly obvious has been termed criminal by most US states. Hence, you may choose not to tackle the other insurance company in court.
Filing a compensation claim with your insurance provider is tricky because the compnay will very certainly opt to sue the other driver’s insurance company for reimbursement if he is to be blamed. If you have been badly injured or you have incurred huge losses, you might want to tackle the driver who was at fault or even your own insurance company. An attorney can assist you in navigating the complicated insurance rules.
Additionally, accidents on private property can be tricky. Check here if you want easy handling of the situation. A final thing to remember is that if you file a claim against another driver’s insurance rather than your own, you may not have the same rights if you file a claim under your own policy.