When a person encounters a car accident, they’re usually approached by an insurance company to cover the damages. It’s important that you don’t immediately agree to the first offer given by the company. This may end in you settling for less than enough. Whether or not you get fair compensation depends on a number of factors. Here’s what you need to do to ensure you get what you deserve.
Work Out the Actual Damages
The term “actual damages” refers to the costs of repairing or replacing the damages caused to your vehicle in the accident. Insurance companies usually deal with vehicle damages. However, this also depends on whose fault the damages were.
For instance, if another driver is responsible for damaging your car and causing the accident, then their insurance company may try to underpay your auto accident claim. Moreover, you can only claim damages thatthe insurance policy covers. This is why it’s imperative that you calculate the actual damages on your own and the costs. It’s also recommended to familiarize yourself with your car insurance policy.Unfortunately, some do not find out until after their auto accident that they do not have sufficient coverage. It’s too late tochange your policy at the time of the auto accident.
Keep the Receipts
This includes the receipts from auto repair shops as well as hospitals in case of a personal injury. Having these medical bills and receipts will helpyou ensure that you get a fair settlement, keeping in mind all the expense you had or potentially will have.to bear. For instance, your injury may require months worth of physical therapy or huge auto repair costs.
The adjuster needs to consider:
- Medical bills & medication prescriptions
- Treatment costs (including that of future treatment)
- Out of pocket expenses
- Costs of commuting to and from the hospital or health care center
Consult a Lawyer ASAP
The best way to ensure you get a fair car accident settlement is by hiring an auto accident and personal injury attorney for your case. Legal representation is immensely important in such a scenario and shouldn’t be dismissed. In fact, having an experienced car accident lawyer by your side can significantly improve your chances of getting the compensation you deserve.
A car accident attorney will help you calculate the actual damages and the value of your claim. They’ll also negotiate on your behalf and help reach a settlement that benefits you. Not only that, but they can guide you correctly through the process and help you navigate your way in the legal system.
Contact the Law Offices of Lisa Douglas, Inc in Little Rock, Arkansas now!