Dealing with Insurance After a Car Accident
When you find yourself in the unfortunate situation of a car accident, it’s crucial to know how to proceed legally to protect your rights and secure any compensatory claims you may deserve. Hill, Gossett, Kemp, P.C., with decades of exceptional service in Alabama, offers guidance and support to those impacted by vehicular incidents. Here’s what to do next.
Report the Accident
In Alabama, the law mandates immediate reporting of motor vehicle accidents involving injuries or significant property damage to the police. This ensures the documentation of an official record, crucial for insurance claims and potential legal actions.
Most car insurance policies also require accidents to be reported to your insurer as soon as possible, typically within 24 to 72 hours. When reporting, provide your policy number, the accident’s date, time, and location, and gather information about the other driver, including their contact details and insurance information. This comprehensive data aids in accurately assessing the situation and expediting your claim.
Understand the Claims Process
After reporting the accident, your insurance company will assign an adjuster to your case, as per Alabama Code § 27-14-3. Adjusters are tasked with conducting a fair and thorough assessment of the accident, evaluating the details of the incident, the extent of vehicle damage, and determining liability and coverage under your policy.
The adjuster’s assessment forms the basis for the settlement offer, intended to cover vehicle repairs or replacement. It is crucial to understand that this initial offer is not necessarily the final amount you can receive, and it may be subject to negotiation based on the adjuster’s findings.
Important Tips
During the claims process, focus solely on the factual details of the accident and avoid making statements that could imply fault, as Alabama’s contributory negligence rule could completely bar recovery if you are found even slightly at fault. Maintain meticulous records of all communications with your insurance company, including emails, phone call notes, and any formal correspondence.
These records are vital if disputes arise during the claims process. Carefully review any settlement offers with your lawyer to ensure they fully compensate for your damages and losses. If there are significant discrepancies between your calculations and the insurance offer, consider further negotiations or legal actions to secure appropriate compensation.
Call Hill, Gossett, Kemp, P.C.
At Hill, Gossett, Kemp, P.C., we are well-versed in the nuances of car accident claims. Our team of seasoned Alabama car crash lawyers is prepared to guide you through the insurance claim process, advocate for the compensation you deserve, and protect your legal rights. To discuss your specific situation, contact us today.