Auto Accident: Understanding the Claims Process
Have you been in an auto accident? Are you at a loss for what to do? If you or your loved ones have been the victim of a car accident in Mesa, these cases can become too tricky to handle on your own. It’s important to contact an experienced car accident attorney immediately. The Law Offices of Samuel P. Moeller have the expertise to navigate your car accident case and get you the settlement you deserve.
With the number of vehicles on the road in Mesa and the Phoenix area, accidents are inevitable. From fender bender car accidents to severe, life-altering experiences, accidents can be very traumatic experiences and very difficult to deal with in a time of pain and suffering. Our Mesa car accident attorneys are ready to help you with your car accident claim.
First, it’s important to understand the claims process:
Tips for Settling a Car Accident Claim
When involved in an auto accident that involves injuries or damage to property, you are required to file a claim with your insurance company
. It’s important to understand just how the claims process works so you can secure the settlement you deserve in the easiest way possible.
Here are the tips for settling your car accident claim:
Make sure you are prepared
It’s important to have as much documentation as you can possibly collect when you go to submit your claim. Suggested documentation includes:
- A copy of your police report
- Photos and evidence from the scene
- A list of property damages with expenses
- Medical related expenses
- Notes on pain and daily limitations from injuries
Understand how car insurance companies work
When you file a claim with an insurance company after an auto accident in Mesa
, the claim goes through a standard process to which in the end a settlement is offered. Depending on the nature of the accident and the extent of property damage and injuries, this process can more extensive in some cases.
Right away, a claims adjustor is assigned to your case. They will review your policy and then ask questions about what happened in the accident. Here is a list of the things an adjuster assigned to your case may do during the first stages of their investigation:
- Request police reports
- Contact the other drivers involved
- Talk to witnesses
- Visit the scene of the accident
- Inspect your vehicle and collect photos
- Ask for medical records and contact your medical providers
Up-front, your insurance company will cover your costs — a process called “indemnification
.” Once a settlement is reached, your insurance company will be paid out by the other insurance company if the case works out in your favor.
After reviewing all information including medical records and expenses, evidence of property damage, proof of wage loss, repair expenses, and your side of the story, a settlement will be offered.
On auto accident claims, insurance companies tend to offer low settlements in hopes that you will accept. They may try to say that you were at fault so they won’t compensate what you think you deserve. A second argument would be that the value you’re requesting is not justified. The third point they would try to make is that your documentation is inadequate, therefore you cannot be reimbursed.
If a car insurance company does this to you, you can negotiate a settlement. What they offer is not final.
Negotiating a settlement
While submitting your claim, you request the amount of money that you want to collect in the settlement based on property damage and personal injury. The claims adjustor will then try to understand the specifics of the accident and the extent of the damage. They will then use that information to offer a settlement.
If the settlement is lower than what you feel you deserve, you can bargain with the insurance company. This can be a difficult process depending on the experience level of the claims adjustor. It’s important not to be quick to decide and accept the low amount. Request explanations and try to understand the reasoning behind the offer. Discuss emotional ramifications and be flexible with the final number.
Working with a car accident lawyer
When the settlement is low and you’re having difficulty with negotiations, a car accident lawyer is a good idea. They understand the ins and outs of car accident claims and can keep the case from dragging on. The Law Offices of Samuel P. Moeller
have the expertise to navigate your case and get you the car accident settlement and justice you deserve.
How Does an Auto Accident Injury Lawyer Build a Case?
Hiring an experienced auto accident lawyer can be very beneficial and extremely helpful when dealing with confusing insurance claims
and settlements. With larger, more severe accidents that involve major injuries, getting the settlement you deserve can be a difficult addition to an emotional situation.
Who is the legitimate auto accident lawyer?
The Law Offices of Samuel P. Moeller have the expertise to navigate even the toughest of auto accident lawsuits in Mesa to gain justice for your case and collect the car accident settlement
you should receive. It takes an experienced personal injury attorney to understand the robust nature of these types of claims and can win larger compensation for damages through negotiations with insurance companies.
Well-seasoned auto accident lawyers are extremely knowledgeable about the relevant laws and any procedural rules that could affect your case. They are able to advise on the statutes of limitations that put time limits on filing an auto accident lawsuit. They are able to file on your behalf and predict the defense against your case. If there’s a threat of legal action entering the case and you do end up going to trial, an attorney will be very helpful in working through this with you.
Working with Auto Accident Injury Lawyer
When working with an auto accident injury lawyer, they take the brunt of the work off of your plate so you can focus on healing and move forward. Trying to handle car accident claims and lawsuits on your own is a confusing and very time-consuming process. Let your attorney take on the work.
Your auto accident lawyer will work with you in collecting the necessary evidence to support your car accident claim. They will collect any police reports
, medical records, employment records with lost wage information, property damage expenses and more. They will then put together a settlement demand letter that will be delivered to the insurance company. From there, if a settlement is not reached, your attorney will take on the work of putting together a court case.
Throughout the whole process, your attorney is your advocate. They will work in ways that benefit you while acting on your behalf to settle your claim. They will take on the negotiations and will argue your case in front of the judge if your case goes to trial. Car accident lawyers fight to reach justice and a fair settlement.
At the Law Offices of Samuel P. Moeller, we work without any upfront payment. We only collect money from you when your case is won.
How to get the auto accident compensation
When you’re in an auto accident, filing a claim and receiving auto accident compensation can be a lengthy process with a lot of steps included and information to collect. It’s important to file your claim as soon as possible after the accident occurs. The information below will help you to simplify and hopefully expedite the process of collecting your auto accident compensation:
- Handle matters with the insurance companies and do not deal with the other drivers involved. Do not admit fault for the accident. The only information you collect from the other driver is their name, address and car insurance information.
- Gather the names of any witnesses or police officers involved.
- Collect photos of the location and damage.
- If you’re not at fault, contact the other person’s car insurance company and file a report. If you’re unsure who caused the accident, call your own insurance company.
- Keep on top of the insurance agent and do not let them place liability on you right away.
- The claims adjustor will use the provided information to determine fault. They may dispute your claim or determine that you were not at fault.
- If they determine you weren’t at fault, they will evaluate property damage through the evidence you provided them and inspection of your vehicle.
- Once they determine the diminished value of your property, talk to a qualified mechanic for a second opinion. From there you will work with your insurance company to determine if your vehicle is totaled.
- If injuries are involved and you were not at fault for the accident, the other insurance company will cover costs if the person has enough coverage. A personal injury attorney can assist with this process.
- If you’re not at fault, there may be workarounds with your deductible.
When living in the impact of a car accident, especially more serious ones, trying to work through properly collecting compensation can be confusing, time-consuming, and difficult. Working with a car accident and personal injury lawyer at the Law Offices of Samuel P. Moeller can help tremendously in these instances.
Explore auto accident lawsuit
If you or your lawyer are unable to reach a settlement with the insurance adjustor or the other individuals in the accident, an auto accident lawsuit may be necessary. In Mesa, AZ, the statutes of limitations will depend on the extent of the accident and the laws you will be challenging. Negligence cases have a two-year time frame before the lawsuit must be filed while cases against the state, city or county must be filed within 180 days. Your car accident and personal injury attorney can help with determining the proper timeline for your case.
Car accident compensation
is awarded when a party is found in the wrongdoing and negligence that cause the accident. In Mesa, the fault is assigned on a comparative basis and the individuals in the car accident are given a percentage of the amount they played in the collision. The percentage is subtracted from the total damages paid out for the accident as a whole.
Below is a list of the damages that Mesa law allows you to collect as compensation in the event that you were not at fault in a car accident:
- Medical bills
- Lost wages
- Property damage
- Emotional trauma
- Loss of enjoyment of life
- Pain and suffering
- Discomfort and disfigurement
- Loss of a loved one
Dealing with a car accident claim is one thing while dealing with an auto accident lawsuit is another. Once a judge and jury are involved, whether or not you have a car accident lawyer
as your advocate during a trial can lead to the success or loss of your case. It’s important to have an experienced attorney on your side that can navigate the complicated laws and rules that apply to your particular situation. Their knowledge and negotiation power will be key in securing the justice and the compensation settlement that you deserve.
If you’ve been involved in an auto accident, you don’t have to take on this difficult challenge on your own. Call the Law Offices of Samuel P. Moeller and set up your free consultation. We will help you find you find justice and fair compensation for your pain and suffering. We act as your advocate every step of the way when dealing with time-consuming car accident claims and potential lawsuits as the result of an auto accident. When you work with our team, you don't pay us a penny in fees unless and until we win your case. Give us a call now!