Get complete insurance claim with skilled Tampa Car Accident Lawyer
If you have been involved in an accident and got injured, you will surely wish to file an insurance accident claim and a police report. The insurance claim needs to be raised with the responsible party’s insurer or the injured person’s insurer. File this claim soon after medical attention is sought. The first step towards claiming compensation is filing this report which includes the cost of lost wages, medical expenses, and other accident-related damages. One must know the basics of the insurance injury claim that would cover the following-
- The difference between the third party and first-party claims.
- Claims denial and the process of appeals.
- The process of insurance claims.
- Calculating the insurance claim value.
If you do not have any idea about how to stake a compensation claim, it is prudent to hire the services of an experienced Tampa car accident lawyer. For the uninitiated, the insurance claims are of two types. These are third-party and first-party claims. In a third-party claim, the injured person or the accident victim can file with another business or person’s insurance provider. In the first-party insurance claim, the victim claims compensation with his own insurance company. A majority of insurance companies provide third-party coverage to victims who are injured due to their negligence.
Depending on who was at fault at the time of the accident, a suitable insurance claim is filed. It also depends on the accident type and the extent of coverage provided by the insurance provider. For example, if you caused an auto accident while driving a car, you should file for a first-party insurance claim with your insurance provider. Conversely, if you were hit by a speeding car while crossing the street, you will file a third-party claim with the erring driver’s insurance provider. Such claims apply to both property damage and bodily damage.
When involved in an automobile accident and sustaining injuries while visiting a business, at a building, or a home, the incident must be immediately reported to the insurance company within a day of the occurrence. If you are a victim and you were not at fault, contact your insurance provider, at-fault driver, building owner immediately. Provide pertinent information about the accident cause and the extent of damage and injuries.
Once this information is provided to the insurance provider, an investigation will be initiated to check your claim. To support this claim, you should provide the insurance provider with evidence like witness names, accident scene photos, detailed account of the accident, medical report after an independent medical examination, etc. It will help the insurance company to check if your claim is genuine.
After the claim value is calculated, a settlement check is then issued by the insurance company. In case the claim gets denied, or if the victim thinks that the settlement amount is not adequate, they can file an appeal and reach out again to the insurance company.
Hire the best Tampa car accident lawyer who can guide them through this process and help them get the desired results.