The effects of a car accident can wreak havoc on your life. Not only will you need to deal with the physical damage caused by broken bones and other serious injuries, you’ll also more than likely need to take time off of work so that you can recuperate which can put your family in financial ruin if you don’t have the savings to support yourself while out of work.
However, you can file an auto collision claim against the person or persons who are responsible for causing the accident. This will enable you to recoup compensation for your losses. Continue reading to learn more about fault in car accidents and the struggles in negotiating with the insurance company.
Liability in Auto Collisions
The only way you can secure compensation for the damages you suffered when you wound up with broken bones due to your involvement in a car crash is by establishing liability on the part of another.
Sometimes, there are three different entities who could have contributed to the cause of your accident: the other involved driver, the Department of Transportation (DOT), and vehicle parts manufacturers or technicians.
Often, the other driver has been engaging in dangerous driving behaviors. This might include distracted, drunk, drowsy or aggressive driving. Each of these practices puts anyone sharing the roads at risk for injury.
Likewise, the DOT and automakers or techs will be named as culpable in your claim if they failed to ensure the safety of the roads themselves in the case of the DOT or the safety of the vehicle itself in the case of techs and manufacturers. Your attorney will investigate the wreck to determine which party should be responsible for covering your losses.
Negotiating with the Insurance Company
Many car accident survivors wind up in a predicament when they file a claim with the insurance company. The majority of claimants are under the impression that the insurer will be on their side. Sadly, this is hardly ever the case. Insurers work in a for-profit industry. This means that every time they settle on a claim, they lose money.
Obviously, this isn’t in their best interests and your best interests will always take a back seat to theirs on the insurance adjusters priority list. You should expect the insurer to try to reduce the amount they’ll be expected to pay you at any cost.
The best way to ensure that you aren’t taken advantage of by money-hungry insurance companies is by having your attorney negotiate on your behalf. Your lawyer will never allow you to settle for less than you are rightfully owed.
Work with a Qualified Car Accident Lawyer
If you’re interested in getting the most out of your claim, it is of utmost importance that you hire a law firm with car accident experience. A high quality law firm will offer injury victims a free claim evaluation where you can discuss the details of your case in greater detail before you decide to pursue your claim. Take advantage of this opportunity wherever possible so that you can begin the process of recovering your losses.