It is difficult for car accident victims to handle everything on their own while also focusing on their recovery. One of the hardest things to do at this time is to face the insurers. Whether you are filing a first-party claim or a third-party claim; the insurer will conduct an investigation to verify your claim. Things can go even more haywire from here. So, it is best to hire a car accident attorney to help you out with the process.
Here’s how a car accident attorney can help with the process of accident insurance.
Filing Claims
Filing a claim involves more than just taking care of the paperwork. First, you have to arrive at the claim amount, which itself is not an easy task. The insurers have their own way of calculating the claim and you may not always agree with it.
Only the victims know the kind of trauma and financial strain they are experiencing during their recovery. It can also be difficult to fathom for anyone else the kind of problems they may face in the future due to their injuries, loss of income, and other problems due to the accident event (depression, disabilities, constant pain, ongoing financial problems, and more).
A good car accident lawyer will help you understand how to calculate the claim amount. Your lawyer will then calculate the claim amount by keeping in mind your present and future medical expenses along with other factors such as current and future loss of income, and all kinds of traumas such as mental, emotional, and of course physical. Calculation of the claim amount by your lawyer will help you easily see if the insurer has also calculated it fairly. You can then accept it or file an appeal for a more just claim.
But ensure that you hire an experienced local lawyer for the same. So, if you live in Joliet, Illinois then look for experienced car accident attorneys in the area. Check the websites of car accident attorneys in Joliet to find the best ones more your requirements.
Dealing with Insurers
Dealing with insurers is no mean task. They are ruthless negotiators. Yes, they are just doing their job, which is to reduce the number and the amounts of payouts to victims. But victims of car accidents need to fight for their rights. If your accident was due to the fault of another person, you deserve to receive compensation for the injustice faced by you.
How else will you pay for your exorbitant medical bills? How else will you compensate for your loss of income? How else will you support your family?
When victims are without representation, the insurers can bully them into accepting low payouts. Insurance companies also have a team of attorneys working for them. It is their job to ensure that your claim is not justified or find ways to undermine it. Most victims give up and accept whatever claim they can get (which they think is better than nothing at all). But with an attorney by your side, you needn’t worry about such injustices. Your attorney will deal with the insurer and their representatives expertly.
Help with Filing an Appeal
On rare occasions, victims may have the need to file an appeal. Your lawyer will file an appeal in court rejecting the claim and ask for the compensation you deserve.
Perhaps your claim was rejected. Perhaps you were a tad late in hiring the attorney and the evidence was lost from the accident site. It is fairly common for the negligent party to remove or destroy evidence if they get the chance to do it. Perhaps the at-fault party tried to derail your case in other ways. Powerful entities (people and businesses) often resort to such tactics as they think they can get away with it. They do too when the victims are without representation of their own.
So, if you are a victim of a car accident, it is extremely important to hire an attorney without delay. Even a slight lag can undermine your case.
