Auto accident car insurance claims and liability
Many auto accidents in the United States generally end up in insurance claims. There is a change that the other driver may sue you for damages if the accident is your fault. However, if you have insurance coverage, then your liabilities may be taken care of during the settlement. An auto accident or personal injury attorney may also provide the legal help you need to file the necessary paperwork.
Your automobile policy
After an auto accident, you may want to review your auto insurance policy limits. If you need a copy of the declaration page from your policy, then you may need to contact your insurer to access the information. This document may give you the amount of coverage you can qualify for to pay the injured third party.
The third party can be considered the person who was injured or possibly gained damages due to your negligence.
The single and combined limits
The single limits give monetary compensation to each injured party separately while paying the maximum amount for each person.
The combined limits pay a lump sum depending on the number of incidents. Your auto policy may pay up to a certain amount depending on the bodily injures and property damage.
Report to the police
If you accessed your insurance policy, then you may want to consider reporting the accident to the police. It might be a good idea to contact the police before leaving the scene so that they can collect all necessary evidence from the accident.
Contacting the insurance company claims department
It is suggested that you might want to report the accident to your insurance carrier. If you do get in touch with your insurance company, you may want to give them details about the accident such as the time of day and location.
Filing the insurance claim
If you do talk to your insurance company, then you may want to also add that you are attempting to file a claim on the accident. It might be a good idea to also get a claim number from the representative. You may also want to take down the number as well as the service representative’s name.
Also, if you provide medical information and the police report, then you may be able to help your insurer to process the claim. Additional information may also enable the adjuster to further investigate your case. The adjuster may help to decide whether the claim should be paid.
Consulting with the claims adjuster
Once you have your claims set in motion, then you may want to speak with your adjuster about the case. The insurance adjuster may accept or deny the third party requests for settlement. Whatever the adjuster decides, you may get notified regardless.
If the third party does get paid, then the individual(s) will get the maximum payout according to the auto policy.