File Your Car Accident Claim As Soon As Possible
It is possible and highly advisable to file a car accident claim immediately after having been involved in a car accident. Whether the other party was solely or partially responsible for the accident does not matter too much though by filing the claim in a timely manner you can gain certain advantages.
These advantages include claiming for costs of repairing your vehicle, insurance policy excess, and loss of earnings, damage to property, transportation costs including taxi fare and recovering cost of treating personal injuries.
There no doubts the fact that any person can make a car accident claim but often it helps to have a specialist do the filing on your behalf. Specialists and specialist companies are generally already appointed by insurers as they (specialist companies and specialists) will know all the ins and outs about managing the recovery of losses sustained by you.
If you have been injured in an accident there is certain protocol that must be followed in order to ensure that your claim is dealt with in the quickest way and in a positive manner. Normally, your solicitor will write to the other party and hold them responsible for the accident and any injuries that you have sustained and they will of course provide the reasons why the other party is to be held responsible.
It is necessary that the other party or their insurer acknowledges having received your solicitor’s letter and this acknowledgement must be made within three weeks. In case the other party to the accident is insured then their insurer will take over the accident claim and they must confirm within a period of three months whether they will be settling the claim. If the case is more straightforward usually the claim is settled a lot quicker.
Your lawyer will also recommend that a medical expert examines you and makes out a report about the injuries sustained by you and also what treatments you have been subjected to and also what the prognosis is. Once this report reaches your lawyer they can then estimate how much you should claim from the insurer and then it is a matter of negotiating a settlement with the insurance company of the other party.
In case neither party is willing to negotiate an agreement the car accident insurance claim will then have to be decided in a court of law. The best person(s) to advise you regarding how to proceed with making the claim is of course your insurer or broker who can provide you with step by step guidance for each stage of getting your claim accepted.
It is always a good idea to have a lawyer handle your claim as they are experts in their field and will be adept at handling the law enforcement agencies, the other party’s insurance company as well as deal with the judge – in case the matter has to be settled in a court of law. So, rather than do the filing of the claim on your own it makes more sense to allow the experts to help you recover costs of repairing your vehicle and paying for medical treatment costs.
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