"JUSTICE IS TRUTH IN ACTION. " - BENJAMIN DISRAELI

Filing a Car Accident Insurance Claim

Contacting the AppropriateInsurance Carriers

After you are injured in a car accident or another type of motor vehicle accident, you will need to take certain steps to seek compensation from the at-fault party. While this typically involves going through the at-fault party's insurance company, you may need to seek compensation from your own insurance company as well in certain types of cases.

For example, you may have to file a claim with your own insurance provider if you were the victim of a hit and run accident or if you are seeking financial recovery through your Personal Injury Protection (PIP) insurance coverage.

Providing a StatementCar Accident Injuries

After you notify the appropriate insurance company or companies of your accident, you should get a call from an insurance claims representative. The claims representative will want to collect a statement from you (usually a recorded statement) concerning the specific details of your accident and your injuries.

The insurer will want to know information such as the following:

  • The date and location of your accident
  • The facts of how the accident occurred
  • Information about your injuries and information about your medical bills
  • Other expenses caused by the accident.

The insurance company will most likely ask for documentation related to your medical treatment and expenses.

Deciding the At Fault Party

After obtaining a statement from you and evaluating other evidence and information, the insurance company will then decide who was at fault in the accident. If it is determined that the other party was at fault, the insurer will offer you a settlement. If you are not satisfied with the settlement offer, you can negotiate with the insurance company for a higher amount or take the case to court.

Why You Need To Work With A Lawyer

It is important to have a qualified car accident attorney involved in the claims process. When car accident victims do not have the help of a strong lawyer, they can easily end up making statements or handing over information that is harmful to their claims. Insurance companies are constantly looking for ways to reduce settlement offers or to deny claims altogether.

As a personal injury lawyer who has more than 25 years of legal experience, I can help you take steps to strengthen your car accident claim and fight for the full compensation to which you are entitled.


Contact the Fetto Law Group firm and get a free case evaluation!