How Does Car Injury Claim Work

Learn to navigate the personal injury claim process successfully regardless of your injury.

How does car injury claim work. This compensation can cover your medical bill expenses wages you were unable to earn due to being out of work during your recovery and your pain and suffering. The adjuster will then typically undertake some or all of the following steps. Determine whether the insurance policy covers the loss claimed. Most states require minimum limits of this coverage to demonstrate your financial responsibility on the road but consumers can pay more and opt for greater coverage.

Report and initiate the claim once you ve initiated a claim with the at fault driver s insurance company you ve begun the process. Property damage claims can still usually be made on the other person s. Investigate and gather the details of your accident. Call your agent to find begin this process.

Bodily injury liability bi or bil insurance is one of the two forms of liability car insurance coverage that pay for any damages you cause other drivers. For example if you buy a liability car insurance policy that has a 50 000 limit the insurance company is going to pay out only 50 000 to anyone who suffers injuries and or vehicle damage in an accident you cause. If there are 100 000 in damages the insurance company isn t going to pay the excess 50 000. Get the guidance you need to win fair compensation.

In general to be eligible to receive a personal injury award from the person who injured you that person must have been negligent in their actions that caused your injury. Florida law requires motorists to carry a minimum of 10 000 in personal injury protection pip coverage pursuant to florida s no fault insurance system. If the other driver is uninsured or underinsured and you have insurance coverage for this scenario you might need to file the claim with your own insurance company. Naturally the nature and severity of your injuries will have the most impact on how much you can expect to receive for your claim.

Examples of potential negligence include car accidents slip and fall incidents work related injuries injuries arising because of a defective product and physical attacks. When an accident claim is started either through your own insurance or a third party reaching out a file is opened and assigned to an adjuster. The more serious your injuries the more likely it is that you ve had substantial medical expenses lost income and other damages. When you are injured in a car wreck caused by another driver s negligence you are entitled to seek compensation for your damages through a personal injury claim.