What to do when the car accident isn’t your fault – Part 2

Dealing with an insurance company after a car accident can be a very difficult process. It can leave you frustrated, confused and ready to give up. That is exactly what the insurer wants you to do. Fortunately, there are steps you can take to get the compensation you deserve.

When the ultimate goal is to get the insurance company to cover your medical expenses and car repairs, you will likely need legal assistance to get the full amount of available compensation. Read further to find out more tips on what you should do after a car wreck that was someone else’s fault.

Follow up with your insurer

If the other driver’s insurer is refusing to pay for your medical expenses and the damages to your vehicle, your insurance company may be able to help out if you have the right coverage. If you have collision coverage and you cannot wait for a lengthy negotiation with the other driver’s insurance, then you should be able to get your car in the shop and only pay your deductible. If you are successful in obtaining a settlement from a third-party claim, the other insurer should compensate you for that expense.

Know your coverage

Understanding your policy, such as collision and bodily injury coverage, will help you manage the claims process if you have to rely on your insurer as a quick source for compensation. You might also be able to get help with the medical expenses through your health insurance. The important thing to remember is, if you have sufficient coverage, you do not have to wait on the at-fault driver’s insurance company to cut a check to get your bills paid.

Taking legal action

If the other driver’s insurance company is digging in its heels, it might be time to take legal action. Your attorney can contact the insurer on your behalf, possibly through a demand letter to force the insurance company to take action. The demand letter should include details of the accident, why it was the other driver’s fault, and what you expect in terms of recovery for medical expenses, lost wages and car repairs.

If you have been involved in an accident with a negligent driver in the Baton Rouge area, it is important to understand your rights and options. To learn more, please see The Lucky Law Firm‘s personal injury overview.