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How to File a Claim Against an Insurance Company

When car accidents occur, victims may suffer a range of injuries, with some being serious. Going through the process of filing a claim with the insurance company of the at-fault driver is not always easy. Injured victims frequently find themselves being victimized by the insurance company and its tactics. Understanding how to file a claim is essential for protecting the rights of the injured victim in the process. 

Third Party Insurance Claims

If someone causes an accident, the injured victim has a right to hold them responsible for paying the claim. The injured victim will need to contact the insurance company of the at-fault driver and make a claim. This type of claim is called a third-party claim. Those who would like to discover more information should visit

The at-fault driver’s insurance company will go through the steps involved in processing the claim. As most injured victims quickly realize, this is not a fast process. The insurance company is going to want to investigate the accident to ensure their client was truly at fault. 

Victims May File Claims With Their Insurance Companies

Depending on the type of policy a victim has, they may have the right to pursue a claim with their company. Some states are considered no-fault states, which means each party in the accident files a claim with their own insurance company. Victims can sue an at-fault driver only under certain conditions. 

Injured victims may also pursue an insurance claim with their insurance company if the driver who hit them did not have insurance. Insurance companies offer uninsured motorist coverage in this type of scenario. Uninsured motorist coverage will cover the victim’s medical bills and damages if the other driver does not have insurance coverage or is lacking coverage. 

Victims May Also Sue the At-Fault Driver

It is important to note that injured accident victims have the right to file a lawsuit against the at-fault driver. Because the burden of proof rests on the shoulders of the victim, these cases are not always easy to pursue. 

Protecting their ability to file a lawsuit begins at the scene of the accident. It is important to call the police to the scene of the accident and file a report. Police reports are admissible in court, but they may not prove liability. 

Injured victims will need to gather extensive evidence to ensure they can back up their claims. Photos, videos, and medical records all prove beneficial in helping injured victims pursue fair compensation in court. 

Hire an Injury Lawyer

One of the steps injured accident victims need to take is to schedule a consultation appointment with an injury lawyer. A lawyer will go over the victim’s rights and help them determine the best form of legal recourse. Lawyers can even help injured victims negotiate with the insurance company and hold them accountable. 

The Statute of Limitations

It is important to note that the statute of limitations dictates the amount of time victims have to file a lawsuit. If the statute of limitations passes, the injured victim will no longer have the right to pursue the matter with the insurance company or the at-fault driver. 

An injured car accident victim needs to pursue the insurance company right away. Getting help from a lawyer gives victims peace of mind knowing their cases are in good hands. Do not wait to schedule a consultation appointment. 

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