After a traffic accident, people are often lost and scared. They usually forget about some important information. If a crash happened, but not with your fault, and if you do not have serious injuries, a car accident attorney in New Jersey suggests you to start a procedure to get compensation for your losses immediately.
Get the Evidence of the Accident
First of all, it’s good to know that, from the moment of the damage (immediately after the car crash occurred), you have several choices. The easiest one for both sides is to agree without any involvement of the police.
If you wish to get a charge from the insurance company (but only to the amount specified by the policy), you must fill the insurance claim on the spot. Police and ambulance are not needed, although you might have trouble with proving damage.
Learn here how to collect the proof of damage, just in case the insurance company asks for them:
If it is a severe traffic accident, you must call the police and, if necessary, emergency. Both services will do the investigation and thus provide evidence. After a few days, you will receive a police record, after which you have to contact the insurer’s home of the culprit.
If you suffered serious injuries, you’d wait for a medical report too. Make sure that doctors identify each of your injuries, with the emphasis on mental issues. You have the right to ask for compensation for the fear, which people often ignore in such cases.
Dealing with Insurance Companies
Insurance companies are obliged to cover the damage their clients made. However, if they would pay any requested sum, they would have gone bankrupt. Their goal is that you, as the claimant, agree to the compensation they offer. And they will do everything they can to achieve this, so prepare well if you want to persist in order to get fair payment.
The procedure for the receipt of your request (which contains the proposal for remuneration) and the delivery of evidence must be carried out. After that, insurance companies have a certain deadline to pay the requested sum or to give a reason why they denied doing that. In that case, the injured party has the right to start legal action, or in layman’s term, to file a lawsuit.
Types of Car Crash Compensation
If you choose to charge your losses all by yourself, insurance companies will usually give you money barely to cover the costs of ‘real’ damages – material damage. However, if you hire a legal expert for car crash cases, you can get a lot more than you asked for.
Regardless of the severity of the injury and the length of the healing process, each victim has the right to get coverage of all medical costs. And let’s be honest, the medical treatment and medications are expensive.
Of course, the priority is to heal all the wounds and recover; make sure to carry out all the necessary examinations and therapies. Doctors will keep a proper record of all costs, and you will have evidence for the insurance company.
Pain and Suffering
Insurance houses often ignore this item, as it can significantly affect the amount of compensation (how it’s calculated, check on this source). Each court will consider the decline in quality of life as a result of a car crash, and especially if some mental conditions, like anxiety, happen after the accident. Be sure to ask for an expert opinion and proof for your ruined health.
If you have suffered physical and mental pain after a car crash, your working ability can be reduced. You can’t go to work and ensure your existence. If you manage to prove that injuries prevent you from earning money for a normal life, you have all the right on adequate compensation, which is based on your current earnings and every lost opportunity to earn more. Although road safety is at a very high level, traffic accidents still occur and often have fatal consequences. That is why all motor vehicles have mandatory insurance, so it can cover any possible damage related to the car crash. Starting the process of charging the damage can be exhausted, but that’s least you should get.