If you’ve been injured in a motor vehicle accident that wasn’t your fault, knowing what you should do can alleviate some of the stress that follows an injury. Whether you’re dealing with property damage, medical malpractice, or a hit-and-run, the personal injury lawyers of Dr. Ted A. Greve & Associates, PA, will walk you through the accident claims process efficiently and effectively. We can help you every step of the way.
Immediate Steps to Take Following an Accident
The steps you take right after an accident can significantly influence the outcome of your claim. To stay protected and prepared, you should:
Ensure Everyone’s Safety
Safety comes first, and your priority should be checking for injuries. If anyone is hurt, call for medical help. If your car is drivable but blocking traffic, move it to a safe spot like the shoulder, median, or a parking lot. If someone’s seriously hurt, don’t move your car. Check on your passengers and anyone else involved if you can and call 911.
Document the Accident Scene
Collecting as much information as possible at the scene is important. Start by taking pictures of the scene. Capture any damage to your vehicle, tire marks on the road, the overall conditions, and any injuries. Exchange details with the other driver. Get their name, phone number, insurance company, and policy number. If bystanders saw what happened, get their contact information too.
Notify the Police and Obtain a Report
A police report provides key incident details. The report includes essential information such as the time and location of the accident, the officer’s impression of fault based on witness statements, physical evidence, and scene conditions.
Contact Your Insurance Company
Let your insurance company know about the accident right away. Share all the info you’ve collected, like the police report, photos, and details about the other driver.
Navigating the Insurance Claims Process
Knowing how the auto claims process works can reduce your stress and help you get the money you’re entitled to. Bringing a lawyer on board can make things easier. They will work to get you a fair payout while you can focus on getting back on your feet.
Review Your Policy
Before you file a claim, review your insurance policy. It’s good to know what’s covered, your deductibles, and any limits on claims.
The Role of an Insurance Adjuster
The at-fault party’s insurer will send an adjuster to check out your claim. They’ll look at the damage to your car, review the evidence, and figure out who’s at fault. They may present a settlement offer. Don’t take it without talking to an attorney.
Filing Against Another Driver’s Insurance
When the other driver is at fault, you can file a claim with their insurance carrier. Your attorney will gather evidence to prove the other driver was liable and to prove the extent of your injuries. They will file your claim for you and present a demand for compensation to the insurer.
Special Situations in Accident Claims
Here is how to handle some of the more tricky situations that can occur after an accident.
When the Other Driver Is Uninsured
If the other driver doesn’t have insurance or takes off after an accident, your uninsured motorist coverage can help cover your costs. In North Carolina, the Department of Insurance says this mandatory coverage is meant to protect you in those situations.
Minor Accidents: Claim or Pay Out-of-Pocket?
Think about whether the repair costs or minimal damage are more than your deductible for fender benders. If they aren’t, it might be smarter to pay for it yourself to keep your premiums from going up.
Essential Tips, FAQs, and Resources
To make the claims process go smoothly, it’s a good idea to keep these tips and resources in mind:
Essential Tips
- Keep a File: Make sure to gather all the information related to the accident, like receipts, medical bills, and repair quotes, and keep them organized.
- Be Prompt: Get your claim in quickly to avoid any holdups and to stay on top of deadlines.
- Stay Calm: Dealing with insurance claim submissions can be a hassle, but staying cool and professional helps, as does hiring an attorney to handle your claim for you.
Frequently Asked Questions (FAQs)
Our clients have many questions when they first come to us. We’ve answered some of them here.
How long do I have to file a claim?
In North Carolina and South Carolina, you have three years to file a lawsuit against the at-fault party. In Georgia, you have two years. Because the at-fault party’s insurer has no contract with you, there is no deadline for filing an insurance claim with them. However, you must file before the statutory periods mentioned above expire.
Can I file a claim without a police report?
Yes, but having one strengthens your case and provides an official account of the accident that carries weight with the insurer.
Will my premiums increase after filing a claim?
Possibly. Your premiums may increase if you’re at fault for the crash or have a claims history.
How Ted A. Greve & Associates Can Help You
Dealing with the claims process can be challenging, but you don’t have to do it alone. Dr. Ted A. Greve & Associates, PA, are experienced in accident claims and will advocate for the compensation you deserve. Here’s how:
- Free Case Assessment: Dr. Ted and his team provide a free case evaluation where we can advise you on the best steps to take to pursue the money you need.
- Personalized Legal Representation: Our attorneys will gather the details of your case and the evidence that proves your claim. We’ll craft arguments based on the specifics of your case and work to secure maximum compensation for you.
- Support and Communication: Ted A. Greve & Associates, PA, offers compassionate support to help accident victims in their recovery. We keep our clients updated on the status of their cases.
Handling an accident claim can often feel stressful, but it doesn’t have to be. By following a simple process and getting the right legal help, you can handle the situation with confidence. Reach out to Ted A. Greve & Associates, PA, for a complimentary consultation today, and let us alleviate your stress and guide you in your pursuit of the compensation you deserve.
