If you have sustained an injury in a car accident caused by the negligence of another driver, you are entitled to seek compensation for your damages. This is possible by filing a personal injury claim. Your compensation can cover your medical bill expenses, lost wages, as well as pain and suffering.
The car accident settlement process involves more than just submitting a claim to the insurance company of the negligent driver and getting a check to cover your losses. Usually, the process can involve a lengthy investigation and negotiation between your Rutland VT Car Accident Attorney and the insurance company. By hiring an attorney, your claim can have a better chance of leading to a favorable settlement. The following are steps are involved in the settlement process:
Investigation of your Car Accident
Once you file a personal injury claim with the insurance provider of the other driver, the company performs an investigation of your accident through a claims adjuster. During the investigation, the claims adjuster will review evidence such as the official police report for the accident, photos of the accident scene, your medical records, the location of the accident, and the testimony of the other driver.
Consultation with Experts
Experts can offer insights into your accident that can be used to underscore your claim. They include your doctor, an accident reconstruction specialist, and a civil or mechanical engineer.
Review of Insurance Policies
Vermont is an “at-fault” state which means the driver who caused the accident uses their insurance to pay for the bills of the other driver related to the accident. But, the negligent driver may not have insurance or may have insurance that does not cover all of your damages. Because of this, you may need to go through your own insurance to make up for the difference between the other driver’s coverage and your financial needs.
Pre-Lawsuit Settlement
The majority of car accident claims are settled outside of court. If your lawyer determines that the settlement offer they reach with the insurance company of the other driver is sufficient for your damages, they might suggest that you accept the offer. Make sure to consult with your lawyer first before you accept a settlement offer.
Car Accident Lawsuit Filing
If you and the insurance company of the negligent driver failed to reach an appropriate settlement, you might have to bring your claim to court. Typically, you can file a car accident lawsuit in the proper circuit court. Your attorney can walk you through the process.
