Most people involved in road accidents are partially or never compensated at all. Before the insurance company fully pays any party, there are policies, documentation, and legal procedures that you must follow for full payment by the insurance company. As you plan to file a compensation demand, remember that the insurance company will look for the slightest excuse to pay you less. Avoid changing statements from time to time for continuous information. Here are some of the most crucial things to consider for total compensation.
Documentation papers are needed to show that the accident happened and the damage the accident caused. These documents are essential components to total compensation. These documents are:
The Police Report
The first document is the report on the accident to the police. After an accident has occurred, the first thing you must do is notify the authorities. Have the police take the statement, which includes the date and time of the accident, information on the reckless driver, location of the accident, and take pictures of the accident. Such information is crucial if you are planning to have total compensation.
If you were injured during the accident, go to the hospital as soon as you file your police report. Immediate medical evaluation is proof that the accident was the cause of going for medication. If you stay longer, the insurance company will claim that you went to the hospital for other reasons and the accident had nothing to do with it.
Vehicle Damage Estimate
The insurance company is likely to make the approximation on its own. However, ensure you also do your maths right and present a well-detailed estimate of the damage caused to your car. The calculations will make the insurance company know that you understand the worth they are expected to compensate.
Attach Your Car Insurance Policy
The insurer may think that you are not aware of the terms of your compensation. However, they’re likely to compensate for the total amount after attaching your insurance policy.
Showing Evidence Of Loss Of Income
If a car accident directly or indirectly caused you part or total income loss, ensure to document such losses for fast compensation.
File Your Claim
After your car accident lawyer in Rancho Cucamonga goes through your documentation, you can now file your claim. It involves writing a demand letter to the insurance company covering the driver at fault. In the letter, explain what happened and the injuries you sustained, and the amount you want the company to compensate you. It’s good to note that you cannot file the claim before your medical condition improves. It’s therefore crucial that you focus on your recovery journey and let the attorney take control before you are strong enough.
Coming To An Agreement Or Sue
After you have filed your claim, the insurance company will contact you. They will probably have their terms for compensation. The best thing your lawyer would advise you is to open a forum for negotiation at such a time. The insurance company will then send money to the law firm. The process may take some time, so you need to stay patient. However, if you don’t get to a consensus, then you can go ahead and sue the insurance company.
For total compensation, talk to your lawyer before you begin any claim. The attorney will offer the relevant advice to ensure you are fully compensated. With your lawyer’s help, prepare your claim documents consistently before submitting them to the insurance company. Remember that if the insurance refuses to pay, you can sue them with the proper guidance.