A car accident is stressful and overwhelming. In addition to the shock and pain of potential injury, there are a ton of legal paperwork to deal with as you go through the application process. It is usually in your best interest to avoid settling your claim directly with your insurance company. This is because insurance companies look after their own interests and those of the person who harmed you – they basically don’t want to pay more than they have to.
To minimize the total compensation you receive, insurance companies hire lawyers and use complicated legal jargon to confuse you. It is unfair for you to put yourself to a lawyer without having the proper background information. Some of this information is shared with you below. Specifically, it investigates six common mistakes that you should avoid when processing a car accident claim.
Assuming you don’t need a lawyer
The law is a complicated thing. It takes years of practice to understand how it behaves and how to work in it – insurance policies are legally binding documents, which means they are no exception to the rule. In addition to fighting the insurance company’s lawyer on your behalf, an experienced lawyer can assist you with this process. You have gone through countless damage scenarios and can therefore offer ICBC is calling for assistance. They know what the insurance company is looking for and how different factors are taken into account.
Assuming you can’t afford a lawyer
Believe it or not, many law firms are working on what is referred to as a Contingency base. This means that you will not be charged a flat rate. Instead, they accept a percentage of the money you will receive once your claim has been processed. By doing this, your attorney will work hard to get you fair compensation as he will also work to improve his own salary. This also reduces the stress of paying someone by the hour and looking at the clock stressedly. You just had a car accident – you don’t have to spend any extra money now.
Don’t understand what you deserve compensation for
Many people naturally understand that they should be getting the money they need to pay for their car repairs or buy a new vehicle when necessary. However, there are many more factors that you need to consider in order to determine what an accident cost you. Think about pain and suffering, lost wages or future income loss, and the costs of treatment and costs – including therapy. Car accidents are a leading cause of post-traumatic stress disorder. This is another reason to consult an attorney before making your claim – many people struggle to get a price for an experience. A lawyer can help you determine what your accident will actually cost you.
Posting about the accident on social media
Social media has dramatically changed the way law enforcement, judges and – you guessed it – insurance companies work. If you’ve just had an accident, you are likely to feel all kinds of conflicting and intense emotions. Of course, you need a point of sale – it just shouldn’t be social media. Anything you post or interact with can be used against you in any legal proceeding or review of your claim. Something as simple as commenting on a picture of your niece’s soccer game could be construed so that you don’t experience as much pain as you claim to be. Unless specifically directed by an attorney, it is best to avoid social media entirely until your claim is resolved.
Don’t understand that there is a time limit
Most states and provinces around the world have limits on how long you can make an accident claim. This means that if you wait too long, you will lose your right to compensation. Given the 2020 coronavirus pandemic, there’s a massive one too Backlog of claims and cases that has to be checked. Acting sooner rather than later can ensure you get compensation sooner.
Not a choice of a lawyer focused on auto accidents and damage claims
After all, the law is very complicated. It takes years of specialist practice to understand even part of it. You don’t want a divorce or corporate attorney – you need someone who specifically works with auto accident claims.
The above information is intended to help you navigate the murky waters of filing an accident insurance claim. As you begin this process, make sure you have a support system – friends, family, co-workers, or mental health professionals – that gives you space to express your stress and concerns.
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