What Does Filing a Claim Mean After an Accident?

In Florida, if you were injured in a car crash, you’d file a claim with your insurer. Your claim would be covered under your personal injury protection (PIP) policy. When you’ve exhausted that coverage, or if your injury results in significant and permanent disfigurement or scarring or losses of a bodily system, you can then turn to the at-fault party’s insurer for additional money.

You’d file an insurance claim with the at-fault party’s insurer so they will pay for your losses. Depending on your injuries and other factors, those losses may include your medical bills, property damage, lost wages, and more.

The goal of filing an insurance claim is to recover compensation for your losses without going to court. A claim starts negotiations between you and the insurance company. This is often the first step in recovering the money you need after an accident.

Steps in an Insurance Claim

If you’ve never filed an insurance claim before, here are the basic steps in the process:

Notify the Insurance Company – The first step is to notify the insurance company about the accident. Do this as soon as possible. You’ll need to provide details like when and where the accident happened, who was involved, and a brief description of what occurred. The insurance company will then open a claim and assign a claims adjuster to your case.

Submit Documentation – After notifying the insurance company, you’ll need to submit evidence to support your claim. This might include incident reports from the location or business where the accident occurred, police reports, medical records, repair estimates for your vehicle, and any other evidence that shows the extent of your losses. The more detailed and organized your documentation, the stronger your claim.

Investigation by the Insurance Company – The claims adjuster will investigate the accident to determine who caused it and assess your losses. They may interview witnesses, review police reports, and inspect the damage to your vehicle or property.

Negotiation – Once the adjuster completes their investigation, the insurance company may make a settlement offer. The initial offer is often lower than what you might expect, so it’s crucial to review it carefully. You can negotiate for a higher amount if you believe the offer doesn’t fully cover your losses.

Settlement or Denial – If you and the insurance company agree on a settlement amount, the insurance company will issue a payment to cover your losses. However, if the insurance company denies your claim or you can’t reach a fair deal, you may need to consider other legal options, such as filing a lawsuit.

What Happens When You File a Personal Injury Lawsuit

Personal Injury Claim vs Lawsuit_ What’s the Difference_ Image 2

Most Tampa personal injury cases end in settlements before the case reaches the trial stage. Trials are expensive, time-consuming, and unpredictable, making a settlement the preferred option in most circumstances. However, if the insurance company won’t make a fair settlement offer, you may need to take them to court to protect your rights. Here’s what happens when you file a personal injury lawsuit in Tampa:

Steps in a Personal Injury Lawsuit

Filing the Complaint – The trial process begins when your attorney files a complaint with the court. This document outlines your claim against the at-fault party, detailing how their negligence or wrongdoing caused your injuries and what compensation you’re seeking. The defendant then has a chance to respond to the complaint.

Discovery Phase – During discovery, both sides gather evidence to support their case and exchange whatever evidence they collect. This phase involves exchanging documents, answering written questions, and conducting depositions where witnesses provide sworn testimony. Discovery allows both parties to fully understand the facts before going to trial.

Pre-Trial Motions – Before the trial begins, either side can file motions to resolve certain issues. For example, they might request the court to dismiss the case or exclude certain evidence. These motions can shape how the trial will proceed and may even lead to a settlement before trial.

Settlement Negotiations – At any point during the lawsuit, both sides can negotiate a settlement to avoid going to trial. Settlement discussions often intensify after discovery, as both sides have a clearer picture of their case’s strengths and weaknesses.

Trial – If the case doesn’t settle, it goes to trial, where both sides present their evidence and arguments to a judge or jury, who then reaches a verdict.

Post-Trial Motions and Appeals – After the verdict, either party can file post-trial motions to challenge the outcome, such as requesting a new trial or asking the court to alter the judgment. If either party believes there was a legal error during the trial, they can appeal the decision to a higher court.

How We Can Help with a Personal Injury Claim or Lawsuit

Jurewitz Law Group Injury & Accident Lawyers can guide you through your personal injury claim or lawsuit. Our experienced team will carefully evaluate your case, explaining your legal options and what you can expect. We know dealing with insurance companies can be overwhelming, so we’ll handle the negotiations on your behalf to pursue fair compensation for your losses.

If it looks like your case might go to trial, we can help you decide if that’s the right path. We can prepare your case, present your evidence clearly to a judge or jury, and advocate for your best interests in court.

Whether you’re filing a claim or considering a lawsuit, we can handle your case, letting you focus on your recovery. Call (619) 233-5020 now or complete our contact form for a free consultation.

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