After a car accident, you may want to know how you're going to have your medical bills and other expenses paid. Maybe you have to miss work for physical therapy or now suffer from a disability, so you can't work at all. Insurance claims are the normal manner in which you seek compensation.
When the insurance company receives a claim, it investigates the accident and comes up with a settlement offer based on several factors such as your injuries, the severity of the accident and others.
After an accident takes place and you receive medical care, the next thing to do is to call your insurance agent. Your agent can help you understand what may happen next and if you personally have insurance that will cover some of your expenses. If you're staying at the scene, take photos of the accident, of insurance cards and even of the people involved in the accident.
Since you're the victim of the accident, you'll want to negotiate for a good settlement from the other party's insurance carrier. Not all settlements are created equal, so it's a good idea to work with your attorney. Attorneys are skilled at negotiation and know what to expect in situations like yours.
You'll want to provide information to your attorney to help him or her negotiate. Things like your medical bills and diagnosis, repair costs and other financial losses are a good place to start. Also remember that you need to think about the future when you receive a settlement; if it's not high enough, you don't need to accept it.
Source: FindLaw, "Car Insurance Claims: Dos and Don'ts," accessed April 12, 2017