Pennsylvania law offers several legal options for victims after a car accident. This includes filing car accident claims with insurance companies and pursuing lawsuits against other drivers who acted irresponsibly if insurance does not cover the full extent of damages. Some may even consider settling the matter personally with the other driver, which can lead to additional problems.
Because choosing the right legal options can wind up making or breaking a good settlement, a personal injury attorney in Southampton should be consulted before pursuing legal options after a serious wreck.
Filing an Insurance Claim after a Car Accident
After a car accident, victims may have the option of filing a car accident claim with their own insurance company or the other driver’s insurance company, depending upon policy specifics and details of the accident. Pennsylvania requires drivers to carry medical benefits coverage that covers the policy holder’s medical bills and those of others under the policy, such as dependents and passengers in the car, as well as bodily injury liability and property damage liability that covers damages.
If another driver is at fault, the claimant would file with his/her insurance company to recover damages. You may also have options to cover medical bills and other damages in the interim until the claim is settled through your own insurance policies.
While some claim adjusters may seem like their main priority is to assist customers, it’s important to keep in mind that the insurance company is a business, and its bottom-line is very important.
In an effort to reduce payouts, some adjusters may:
- use shady negotiation tactics;
- try to lead the conversation in a way that gets the driver to admit fault;
- rush the claims process, which might not leave enough time to discover the extent of the injuries;
- offer a lower settlement than the claim is worth; or
- fail to fully account for victims’ losses.
Once a victim has signed a settlement offer after a car accident, there is no going back to request more compensation from the insurance companies. Therefore, it’s worthwhile to run the settlement letter by a personal injury attorney in Southampton before signing anything in order to ensure it’s a fair and reasonable offer.
A lawyer will be able to:
- assess case specifics;
- determine what kind of claim(s) are applicable (personal injury, wrongful death, product liability, etc.);
- collect evidence and witness testimonies;
- calculate damages;
- stand up for the victim’s rights and advise him/her regarding legal responsibilities;
- demonstrate injuries and other losses to the insurance companies;
- push for the best possible financial award; and
- prepare the case for court should an acceptable settlement offer not be reached.
There are so many variables in accident cases that trying to assess all the information without professional legal advice can be risky.
Consulting a Personal Injury Lawyer in Southampton
When car accident victims need a committed personal injury lawyer in Southampton, they can rely on our team at Cordisco & Saile LLC. We can be reached at 215-642-2335 for free, no-cost consultations, where will listen to questions and concerns about car accident claims, and help clients pursue the best legal options for their given situation after a car accident.