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How To File A Personal Injury Claim After A Car Accident

Updated: Nov 16

Learn How To Get The Most Out Of Your Personal Injury Compensation With The Help Of A Car Accident Lawyer

Getting into a car accident is expensive. You have to deal with medical bills, and you might also lose some income and emotional security. That's why personal injury laws exist—they're meant to compensate you when you get into an accident.

However, getting compensation can be a bit challenging. You don't just come to an insurance provider and expect a payout; you need to prove the severity of the damages you incurred and convince them that it is tantamount to a specific monetary value.

In this post, we'll list all the essential tasks you need to do after a car crash in California to get the compensation you deserve.

1. Your Personal Injury Claim Starts Immediately After The Accident

Usually, people think about Personal Injury claims as something you do after an accident. However, many important things in the accident site can influence future claims and actions you must file. Most notably, evidence at the scene.

Here's what you need to do right after a car crash in California:

Call 911, And The Authorities

Call 911. Someone else should call for you if you're gravely injured. Inform the dispatcher of your location, any injuries you or others have sustained, and whether or not the scene is dangerous. Dispatchers are trained to get the necessary information to get people over to where you are, so make sure to clearly detail your current situation.

Don't let the other driver persuade you not to call the cops. The police record from the responding officer will be crucial in your personal injury case. An official car crash report details the at-fault driver's errors and citations, as well as:

  • names and contact numbers of the witnesses

  • the weather conditions at the time

  • accident details

  • insurance information

In some cases, you might also have to look around for missing road signs, safety hazards, road construction, and other causes of the accident.

Get Yourself Checked

At the scene of an accident, never reject medical treatment. Any symptoms you have, no matter how little, should be reported to emergency personnel. Not all injuries sustained in a car crash are immediately visible. The adrenaline rush from the accident's shock may disguise the pain of injuries like whiplash or head damage.

If paramedics offer to take you to the hospital, accept their offer. The EMS report will include your injuries as well as the medical treatment you received on the spot.

If you are not sent to the hospital from the accident scene, go to your primary care doctor. If your doctor isn't available, go to an emergency department or an urgent care center.

Remember, not getting immediate medical help can hurt your chances of maximizing your Personal Injury Claim later on. You need to examine your injuries and have the findings recorded. So when an insurance firm or at-fault party insists that your injuries weren't that bad, you can show them the medical reports as proof.

Gather Evidence At The Scene

As mentioned, your Personal Injury Claim will be supported by the police and paramedic reports, but they will not cover everything. After the car crash, if you are physically able, try to gather as much evidence as possible. The more information on the accident you have, the better your chances of receiving a higher insurance settlement.

On-scene police officers should assist in the transmission of information between drivers. In any case, jot down as much data as possible.

The following is a list of necessary evidence you might want to collect:

  • Name, address, phone number, and email address of the driver

  • The insurance provider, insurance contact number, and policy number of the driver

  • Passengers of the other vehicle's contact information

  • All witnesses' names and contact information

  • The date and time that the car crash happened

  • You'll need the make, model, license plate number, and vehicle identification number (VIN) for the other vehicles involved in the collision.

  • Take pictures and video documenting the accident scene, your injuries, and the vehicle's damage.

If you're seriously hurt, ask someone on the scene to assist you in taking photos. Don't force it if you don't have anyone to help you. Get all the evidence you can get without moving too much.

A good California Attorney For Car Accident can do supplementary investigations to get the evidence for you, like getting the records and tracking down possible witnesses.

2. Notifying Insurance Companies

It is standard practice to exchange insurance information with the others involved in the accident right after an accident. This is so insurance firms can get to work and start processing your accident claims. Here are a few crucial steps to do so:

Notify Your Own Insurance Provider

Even if the car crash was not your fault, notify your insurance company. A "notice provision" in your auto policy almost probably mandates you to notify the company of any incidents and participate in their investigation.

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You might want to take advantage of policy features like med-pay coverage, auto repair reimbursements, or coverage for a rental car while your damaged vehicle is in repair, provided you tell your insurance. However, suppose it turns out that the other driver's insurance has lapsed. In that case, you may need to use your uninsured motorist coverage.

Anyone covered by personal injury protection (PIP) can file a claim with their own insurance company. That may be your sole option in no-fault insurance states. Regardless of who caused the accident, your PIP claim will be reimbursed.

You safeguard your personal interests by alerting your insurer of the accident and your contractual obligations. You can bet that if someone from the other car gets a California Attorney For Car Accident, they'll demand money. If your insurance company hasn't previously heard about the collision from you, they'll be in a difficult situation.

Notify The At-Fault's Insurance Provider

After getting medical help for your injuries, notify the at-fault and their insurance company of your intention to file a claim. Call the at-fault driver's insurance company as soon as possible. Even though the at-fault driver is likely to have already reported the collision, you must do so as well.

If the accident has already been reported, a claim number and a claims adjuster will have been assigned. The role of the adjuster is to examine and settle accident claims. The corporation may assign separate adjusters to handle both property damage and bodily harm claims.

Property damage claims are usually simple and easy, and they are frequently reimbursed swiftly. On the other hand, personal injury cases can be difficult, costly, and time-consuming to resolve.

Don't say how long you'll wait for a response once you've been notified. You've painted yourself into a hole if you give them a deadline and don't hear back. What steps are you willing to take? You risk losing credibility with both the at-fault driver and the claims adjuster if you don't file a lawsuit.

Important Caveat: Don't Get Pressured By Insurance Firms

Here's the thing - insurance firms are a business. It is in their best interest to give you the lowest possible payout; sometimes, they'll use underhanded tactics. For example, they might try to trivialize your injuries, omit essential details that prove the severity of your losses, and try to get you to agree to a low payout out of frustration.

To avoid this from happening, consult with a Los Angeles car accident lawyer to negotiate your claims for you. Sometimes, a simple demand letter from an attorney will prompt the insurance firm and the at-fault to adjust their settlement offer. However, if they still refuse to do so, you can always take it to trial with a trusted attorney to back you up.

3. Sending A Notice to the At-Fault Driver

Most drivers are unaware that they, not their insurance company, are ultimately responsible for any damages they cause in an accident. The insured driver's car insurance covers them up to their policy limitations. Anything beyond that is the driver's personal responsibility.

If the adjuster seems to be dragging their feet on your claim, you can issue a formal notice to the at-fault driver. Because no one wants to be sued, the driver may persuade the adjuster to reach a settlement. In addition, your letter may pique the driver's interest in resolving the dispute privately.

Don't quarrel about who's at fault or mention your injuries if the at-fault driver calls you. Instead, tell the at-fault that you expect to hear from their insurance company and that you will only speak with the claim adjuster.

4. Calculating the Worth of Your Personal Injury Claim

The losses incurred as a result of personal injury or property damage are referred to as damages. These damages are added in the form of a demand letter.

Here are some of the most common damages in Personal Injury Claims in California:

  • Medical bills

  • Out-of-pocket expenses

  • Property damage

  • Repair costs

  • Lost wages/salaries/commissions

  • Pain and suffering

  • Loss of the enjoyment of life

  • Loss of relationships/consortium

Vehicle repair costs, the worth of your car (if it's a total loss), and the value of personal things lost in the crash (such as eyeglasses or clothing) are all considered property damages.

Adjusters and attorneys frequently compute personal injury compensation by adding multiple accident-related hard costs, such as medical bills and lost income, to account for pain and suffering. A pain and suffering multiplier of one to three times the hard costs is justified in most cases.

No matter how enraged you are with the other driver, you don't have a claim if you don't have damages.

Thus, this is the reason why you need all those records, evidence, receipts, and invoices to show that you have, in fact, incurred losses because of the accident. For example, if you missed work because you needed to recover from a recent car crash, that should count towards lost wages/income. Likewise, if you suffered a catastrophic injury after the event, your lawyer can calculate the future expenses you will incur due to your injury.

It's also possible that there aren't enough insurance payouts if only one at-fault driver and multiple vehicle accident victims (including passengers). Therefore, a judge may have to decide how the available funds should be distributed among the injured parties.

Contact a Los Angeles car accident lawyer to ensure you get the settlement offer your situation deserves.

5. Negotiating A Reasonable Insurance Settlement

Before moving further, consider if you can handle your claim independently or if you need to contact a car accident lawyer in Los Angeles. A layperson can manage a minor injury claim, but an experienced attorney should handle a more complicated case.

Most personal injury attorneys for car accidents provide free inquiries and initial case reviews, so you'll know how to weigh your options.