Claims Versus Personal Injury Lawsuits What You Need to Know About Car Accident Settlements

Whether you’re a new driver or have been driving for many years, nothing can be as stressful for a driver as getting into an accident.

We know that accidents are bound to happen (that’s why they are called accidents), but not many are prepared or have details about their coverage or being fully prepared. If you were in an accident—whether you’re the at-fault driver or not—you need to be prepared with the details about your coverage available, starting with understanding bodily injury and property damage insurance.

Some drivers often turn to a personal injury lawyer for expert advice or other legal reasons. To help you, we’re here to answer your top questions! There’s a lot to know about insurance and coverage, with many drivers asking about auto bodily injury coverage, bodily injury & property damage liability how much it costs, and what to know if an accident occurs.

We understand how stressful getting into an accident can get, and we’re here to help make sure you get all the information and ensure that you’re fully covered!

If you’ve experienced an injury in a car crash and need a settlement to cover your medical expenses and other costs associated with the injury, then in most cases you’ll need the services of an auto accident law firm. But what services, exactly, will you need? There’s actually more than one legal route for you to get car accident compensation, and you may be able to go through the whole process without going to court. Here are the basics of what you need to know:

Auto Accident Injury Claims

Most of the time, the first step you’d want to take is filing a claim with the other driver’s insurance company; the at-fault’s driver’s liability insurance will cover your injury-related expenses up to a certain point (remember, if you were at fault, your own insurance will not cover you unless you’ve added personal injury protection). Car accident settlements from the insurance company can be handled without an attorney if they’re very simple, but hiring an auto accident law firm can expedite your claim and ensure you get a fair settlement.

Having a lawyer to back you up is even more important if you don’t want to accept the first offer the insurance company gives you; at this point, negotiations can take place. If you reach an agreement, then you’re done. No lawsuit is necessary, and you can get back to your everyday life.

Auto Personal Injury Lawsuits

If negotiations break down and you can’t reach an agreement with the insurance company, then you’ll need to actually file a personal injury lawsuit. Again though, the lawyers from an auto accident law firm can help you avoid court by negotiating up until the last minute. If your case is actually scheduled for a trial, the process may take much longer. However, there is also a possibility of your getting a larger settlement depending on the facts of the case. In addition to the compensatory damages meant to reimburse you, the court can even decide to add punitive damages (intended to punish the defendant) if he or she was driving particularly recklessly.

You’ll want to discuss with your lawyer the pros and cons of accepting a slightly smaller settlement versus extending the legal battle in court. The choice that’s better for you will depend on how strong your case is, the difference between the offered settlement and your desired settlement, and how soon you need to receive your compensation.

Do you have any other questions about the claims process or whether you should file a lawsuit after being hurt in a car accident? Join the discussion in the comments.

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