Dealing with accident claims and your car insurance

| Oct 30, 2020 | Personal Injury |

Those who have been involved in a car accident in Pennsylvania know that it can be a traumatic experience. Physically recovering from the accident while worrying about getting a replacement vehicle and loss of income during healing makes for an incredibly stressful situation. One of the most frustrating parts of the process can be dealing with the insurance companies involved in accident claims.

Most accident victims rely on insurance companies for compensation

Though circumstances vary from case to case, most insurance companies pay out damages and repairs through motor vehicle accident claims. The amount of money paid to an accident victim may depend on the negligent party’s insurance coverage. If the insurance company denies the claim or the amount that the company pays for doesn’t cover the extent of the damages, a lawsuit may be filed against the negligent driver. The insurance company will then act as a defense for the party in a negotiation or trial.

Many accidents have multiple insurance companies

Dealing with insurance companies while healing from a car accident can be problematic. Not only will the accident victim’s own insurance company contact them, but multiple insurance companies could also be involved. This depends on how many parties were involved in the accident. It is important to take notes about who is spoken with and what was said during these conversations.

When insurance claims aren’t enough

Insurance companies are a business, and it is their responsibility to pay out the least amount possible to cover the damages in an accident to save their business money. This is why many professionals recommend talking with a personal injury attorney. An attorney might look at the police report, witness interviews and insurance information. They may be able to help the injured party get a larger settlement than the insurance company offers. This money could then be used to help during recovery.