Car insurance companies — both yours and the “at fault” driver’s — play a big role following an automobile accident. Believe it or not, your own insurance policy may provide you with the largest part of your car accident settlement or recovery. This money would be derived from your UNINSURED motorist coverage which basically provides money for you when the other driver or drivers did not have adequate liability car insurance coverage.
Whether the “at fault” party or parties had zero insurance [this is called uninsured] or just minimum coverage insurance [this is called underinsured], your own policy’s EXTRA coverage can be stacked on top of those missing or inadequate amounts of insurance to assure that you receive the full value of your car accident personal injury or wrongful death claim.
Running Interference With Car Insurance Companies
An insurance settlement after a car accident also can be affected by the thoroughness (or lack of thoroughness) of the car accident investigation at the time of the crash. Police officers sent to a routine collision scene may have no special training in accident reconstruction beyond the basic police academy course.
Other accident reconstruction officers are given two, three, or even more advanced training courses, to teach them how to scientifically assess and measure the vehicle damage and physical evidence (e.g., skid marks, yaw marks) at the scene. Except in wrongful death or catastrophic injury cases, police departments and insurance companies do little or no independent accident scene assessment or vehicle crush damage analysis.
For an insurance company on the hook for a LIMITED amount of money (the “policy limits’), it is all about getting the car accident claim settled quickly and for the least money, for most liability insurance companies.
Your experienced car accident attorney knows which proven accident experts to call to “fill in the blanks” to show that you were not at fault in the accident. Acting quickly before the wrecked vehicles are salvaged or altered (i.e., parts removed or sold, or the “black box” removed or downloaded) is critical. When dealing with car accident insurance agencies, it is best to be prepared to PROVE your side of the case, and not accept their assessment.
The insurance company will definitely have a group of experienced litigation attorneys acting on their behalf to try to wrap up a lawsuit. Vehicular accident victims should do the same and retain skilled legal counsel to guide the path of the case. This is equally true for settlements out of court or in the event a mediation or a lawsuit is needed to obtain a top dollar recovery.
Settlements and jury verdicts are almost always more favorable for car accident victims that retain an experienced and proven personal injury attorney with a track record of substantial recoveries in prior serious injury and fatal accident cases. The negligent driver’s insurance company will investigate most car accident claims by simply getting a police report and accident report.
Their responsibility is to minimize their client’s financial damages and (if possible) to settle the claim within the policy limits that their driver purchased when he or she bought auto insurance. If that insurance amount is $100,000 or less, the insurance company will limit any in-depth investigation of all of the parameters of the car crash.
Therefore, it is important for the client to hire their own, proven-result car accident attorney who will fight for the maximum compensation possible. Insurance companies will sometimes offer quick settlements to claimants without an attorney. Once the papers are signed and the check issued, your claims are ended. Typically, those quick settlements with unrepresented victims of car accidents are not sufficient enough to cover the victim’s lost wages, medical bills, car damages, and their future pain and suffering (and possible corrective surgery).
A top-rated motor vehicle accident attorney can keep the insurance company honest and try to obtain the best financial settlement or jury verdict possible.
How to Hire the Best Car Accident Attorney
The aftermath of a serious car accident can be a difficult time. During these times, victims or their family members should get help from a qualified and experienced car accident attorney. These attorneys know how to quickly resolve property damage issues and replace your vehicle while leaving open the personal injury or wrongful death claims for later resolution. Filing a car accident claim through an attorney, and not by the victim doing it alone, can help the seriously injured victim or family member recover full compensation for hospital or surgical bills, rehabilitation costs, lost wages, pain and suffering, along with possible punitive damages where the defendant is found to have been grossly negligent (e.g., driving drunk or a commercial motor vehicle driver ignoring his or her daily time limitations for operating a big rig truck).
Driving under the influence of drugs or alcohol or both, texting while driving, and aggressive driving in heavy traffic are just a few of the infractions that may result in punitive damages being awarded to you on top of compensatory damages and damages for pain and suffering.
Victims of a car accident on local roads or an interstate highway should immediately contact an experienced and proven serious injury and wrongful death lawyer who “knows the ropes.” Once the victim has obtained the proper medical attention, the next step is to immediately protect and gather evidence, get witness lists, and start to pursue compensation. Victims should not sign anything or give any statements to any insurance company without first hiring the best car accident attorney to be there with you every step of the way.
Call our attorneys today for a FREE phone or in-person appointment. Our business model is to represent highly-credentialed firms rather than one, at the same contingency fees that a single law firm would charge. The initial lawyer consultation and advice are FREE, so why not call? 404-567-5515 or 1-888-986-7150.
Our MAIN OFFICE is located at 5 Concourse Parkway, Suite 2340, Atlanta, GA 30328, but for injured clients or families who have lost a family member, we come to your home.