Recovering from a car crash can be traumatic and challenging, both physically and emotionally. However, if you plan on getting compensation for your injuries, then you need to get acquainted with the auto insurance and car accident laws in your state.
You should understand that insurance companies make their money by avoiding payouts whenever someone claims from their insurance. Therefore, the simple thought of negotiating with the auto insurance company or the at-fault driver’s insurance company when you’re involved in a car crash can be stressful and frustrating. This is maybe because you are dealing with people who make their living off negotiating low insurance settlements from car accidents. Therefore, it is advisable that you seek the assistance of a car accident attorney in Richmond who will assist you with your car accident claim in Virginia.
Although there are many reasons as to why car crash lawsuits can be difficult in Virginia, there are few things in which you can do to make the process easier.
The first thing to do is contact your insurance company as soon as possible. Starting an insurance claim immediately after an accident gives you an advantage for several reasons. One of those advantages is that your memory will be at its best shortly after the accident and you will be able to remember more details about the crash in order to report.
Failure to report the crash immediately, means that you give the car insurance company a foothold to say that your injuries are not as serious as you claim them to be or else you would have reported it sooner. There are some things that should be reported immediately, however, giving a recorded statement to the claims adjuster is not one of them.
You should ensure that you keep records of everything involving the accident and your injuries safe. Prior to asking the insurance company to make a settlement, you first need to decide exactly how much your settlement is worth. This will depend on several factors, such as location of the accident, the cost of your medical expenses, future medical expenses, loss of income, potential loss of income in the future, and whether your job will be secure given your injuries. Other factors to consider include the length of your treatment, whether your disability is permanent or temporary, pain and suffering, and the costs of repairing your vehicle.
Thereafter, you should send a detailed demand letter to the insurance adjuster making a note of your damages from the car accident. Never accept the insurance companies first offer and always make the insurance company justify their settlement offer. Focus on the strengths of your case and ensure that you use sources of evidence aside from medical records and your own statement. Everything should be put in writing whenever negotiating a car crash settlement. If you feel like you’re still butting heads with the auto insurance company and claims adjuster, then it’s time to bring in an auto accident attorney.