After a car accident, you likely will not run directly into court to get paid by the responsible driver. Instead, in most cases, the first step in seeking compensation is to file an insurance claim. Whether you file a claim with your own insurance or with the offending driver’s insurance will depend on the choices you made when you purchased your insurance.
Pennsylvania is one of the few states in which the law gives you the option between two primary types of car insurance:
- Limited tort
- Full tort
Limited tort insurance is no-fault insurance, which means your own policy will cover your accident-related costs whether or not you were to blame for your crash. If this is the type of coverage you have, the right to file a lawsuit against a negligent driver is limited to cases involving serious injuries.
Full tort is fault-based insurance, which means you have opted out of the no-fault system and will need to file a claim with the insurer of the driver who was at fault. In this situation, if an insurance claim is inadequate, you can later seek compensation through the legal system by filing a personal injury lawsuit.
Whether you have limited tort or full tort insurance coverage, dealing with an insurance claim can be complicated. In either situation, an insurance company may seek to limit their liability as much as possible, effectively limiting the compensation you receive. It is always wise to seek help from a skilled car accident lawyer to assist you through the process to maximize the insurance settlement offered.
Filing a Claim
When you file an insurance claim, you do a lot more than simply report that an accident occurred. You must provide evidence to support the amount you are requesting for your medical bills, lost income, and other damages. In addition, if you are filing a fault-based claim, you must provide evidence of the policyholder’s liability. The stronger and more persuasive your initial claim is, the easier the rest of the process may be.
Dealing With Adjusters
Insurance adjusters will contact you and these communications are not always simple or straightforward. Always keep in mind that each interaction can have a significant impact on settlement offers and the ultimate outcome of your claim. You should always remember to be brief and consistent—any unnecessary details, inaccuracies, or discrepancies can call your entire claim into question and give the adjuster reason to limit your recovery. It is always a good idea to have your attorney handle all communications with your adjuster and review all settlement offers before you even consider accepting them.
A Maryland Personal Injury Attorney Can Help With Your Insurance Claim
While you may think a car insurance claim is business as usual, this can be a complex process and the insurer may try to deny you the compensation you truly deserve. The Maryland auto accident lawyers at Alpert Schreyer, LLC are ready to assist you and to protect your rights as an accident victim. Please contact us online or call (844) 632-7274 for a free consultation today.