In the event of the car accident the victim is required to report the accident immediately to the insurer. The victim is also required to seek immediate medical assistance as the medical prescriptions indicate the severity of the injuries sustained and would be a strong evidence to substantiate his claim. Further the victim is also required to take down the details of the vehicle and the driver who was responsible for the car accident. He is also supposed to take pictures of the accident spots and collect details about the witnesses of the accident. The victim is also supposed to maintain the bills and the receipts related to the injury. These are the preliminary duties to be done before filing the car accident insurance claims. The evidence collected in the course of the car accident would substantiate the claims made by the victim. Once the victim has decided the amount he is required to claim he can write a letter of demand to the insurance adjuster which is the preliminary step in the car accident insurance claims.
The insurance adjuster after investigating the car accident insurance claim will then make an offer much lower than the amount claimed. The attitude of the insurance adjuster would be to save the employer’s money and if negotiations do not bring satisfactory results the claimant can seek the help of an experienced car accident attorney who would provide valuable legal assistance and would justify if the claim sought by the victim is really reasonable. The process of negotiations would still continue through the attorney. Most of the settlements are made out of court as filing a lawsuit is a tedious procedure. In case if the settlement is not reached the victim can file a case against the negligent driver. It should also be observed that it is not only through the insurance adjuster that the negotiations can be carried out but also with his higher officials the victim can negotiate his car accident insurance claims.
Filing car accident insurance claims is generally a bit tedious procedure. Before filing the claims the victim should have an idea about the coverage he would secure. The claimant should be honest with the insurance adjusters so that the claim is not denied on the basis of fraudulent reasons. The claimant is not supposed to give anything in writing to the insurance company or should accept the liability because it is the duty of the insurance company to determine the liability.
While filing car accident insurance claims, it is important to seek the advice and help of a car accident lawyer. A competent car accident solicitor would be able to wrangle with the insurance companies if they start to play hardball. The help of a good personal injury lawyer is essential if the claimant wishes to make a successful claim.