Preparing An Insurance Claim After A Florida Car Crash
A traffic accident can be financially devastating. Following a car accident where you’ve suffered a severe injury, you’d want to be justly compensated for medical expenses as well as the impact your injuries have had on your life. You may not have been able to work as a result of your injury and would also need compensation for income loss.
Ideally, your auto insurance would help you recover these costs. You should be paid in accordance with the rates indicated in your policy. However, getting the compensation you deserve can be affected by how well you prepare your insurance claim.
If the claim isn’t robust enough, this could forfeit you from getting the payout you need in order to recover and continue with your life. In this article, we talk about what you can do to file an effective insurance claim, ensuring you get what you’re entitled to.
Evidence To Show You Didn’t Cause The Accident
Your insurance claim would be negatively impacted if your insurer has any reason to believe that you were at fault during the accident. You have to be mindful that while you may not have actively played a role in the car accident, insurers can still penalize you if they can claim that your negligence contributed to the collision.
An example of contributory negligence that can greatly affect your insurance claim is if your car’s taillights were not working properly at the time of the accident. To counter this, you would have to present proof that your car was in tip top working condition at the time of the car crash.
It may be frustrating to have to prove your innocence when you’ve already suffered major losses. However, it’ necessary to collect the necessary evidence to make sure you get justice and the compensation you deserve. Such evidence includes the following:
• A copy of the official police report where the officers have noted the party responsible for the collision
• If available, surveillance footage of the car crash
• If available, statements from any bystander witnesses to the car crash
Let Insurers Know About Your Losses
You should also attach a statement from your doctor detailing the injuries you’ve suffered and the medical treatment you’ve been prescribed. Make sure you document all your medical expenses by keeping copies of your hospital bills and receipts. Also, keep copies of your prescriptions and receipts from the pharmacy.
In addition, you should also include a statement about how your life has been negatively impacted by the accident. If you’ve lost a job or have had to take a significant time off work, include a statement regarding how much income you’ve lost.
Show You’ve Been A Good Driver
On top of filing your insurance claim, you’d want to make sure that your insurer doesn’t raise your premium rates after the accident. You can avoid premium hikes by showing that you have a clean driving record. Insurers tend to look favorably upon good drivers. This also serves as additional evidence for proving that the traffic collision was probably not your fault.
To make sure you get all the proper documentation and statements you need, it would be a good idea to get a lawyer to handle this. Hiring an attorney to take care of this stuff for you allows you to do away with the additional stress and focus on recovery. A lawyer would also ensure that your insurance claim is filed correctly, preventing any potential delays due to filing errors.
If you’re looking for a lawyer in the Sarasota / Bradenton area on Florida's west coast, contact our team by visiting our website.