At Stern Law Group, we work with victims who suffer harm in all types of auto accidents, and we make it a point to guide them step-by-step through the process. Since the process can be confusing and foreign to many we’ve made a general outline below.
Step One: Immediately After the Accident
The adjuster may contact you to ask any additional questions and will perform the following steps as the first part of the claim process.
- Ask you for a copy of the police report
- Contact the other driver(s) involved in the accident
- Speak with any witnesses
- Visit the accident scene
- Inspect your vehicle’s damages
- Take photographs of your vehicle
- Request that you sign a medical release form that will allow them to view your medical history and records
- Call your medical providers for any necessary information regarding your injuries and medical expenses.
Step Two: The Investigation Process
Next, an adjuster may review your official records during the investigation phase. This will include an examination of the total amount of property damages, any police reports on file, and the DMV accident report. This will help the adjuster determine fault. Fault will determine who is responsible for paying for the damages.
Additionally, personal injury lawyers can also play a role in the investigation process, gathering evidence to support a personal injury claim.
Step Three: The Claim Review Process
During this process, the insurance adjuster will review the claims and verify the following information.
- Your medical records
- Medical expenses
- Evidence of property damages
- Proof of lost wages
Sources state that some adjusters will examine your social media accounts to ensure you have not made a fraudulent claim. To do so, adjusters will check for any pictures of your vehicle that you may have posted after the alleged accident. Therefore, if you are claiming vehicle damage but you post a picture of your car in perfect condition the following day, the insurance company may consider that fraud.
Step Four: Solving the Claim Dispute
Using the evidence and information listed in the previous steps, the insurance adjuster will decide on a settlement amount. In most cases, this is the sum of the following.
- Medical bills
- Lost wages
- Physical pain
- Emotional distresses
Step Five: Proposing the Settlement Offer
Once the insurance adjuster has decided on a settlement value, they will need to determine what amount they will offer. This is handled on a case-by-case basis and may vary depending on the adjuster’s insurance company. Some companies have policies that list the values for specific injuries which take into account medical expenses, recovery time, emotional distresses, and more.
It is important to note that a person does not have to accept the initial offer proposed by the insurance adjuster. In fact, if the person believes that the amount is not sufficient, they have the right to take their claim to court. In these cases, it is crucial for that person to seek seasoned legal help right away. A well-informed car accident lawyer can examine the case and determine the appropriate amount that should be awarded to the accident victim and can fight to see that the settlement offer is made fair.
Why You Need Aggressive Representation After a Car Accident
Some insurance adjusters will propose a lower offer to those who are not represented by a personal injury lawyer. If the adjuster needs to be in conversation with a knowledgeable personal injury attorney, they may offer a higher offer since an experienced car accident attorney will know how to combat an unfair proposal. This is why it is best to contact a lawyer immediately after a car accident.
The Houston car accident attorneys at Stern law Group understand the various intricacies of personal injury claims and may be able to help you recover compensation for your injuries and medical expenses. We do not aim for satisfactory results; we aim for maximum compensation for every client every time.
If you have been involved in a car accident, contact the Houston car accident lawyers from Stern Law Group today. We offer 24/7 services and will be available to take your call at any time.