Our lives are very precious and no matter who you may be, you can only have one at the end of the day. This is the reason why you need to be careful and mindful of your health and safety at all times. One of the biggest dangers that can catch you unaware is car accidents. Indeed, they do occur when you least expect it and are sometimes fatal.
Always take precautions and adhere to traffic laws to avoid being at fault. However, not every accident is your mistake as it may be the result of another person’s carelessness.
Victims of accidents ought to get justice for the damage that might have been done to them and their families by a negligent third party.
Here are some of the reasons why this could ultimately payoff:
1. Personal Injury Claim
There’s a small possibility where you could find yourself involved in a car injury. If the car is the only thing that got damaged, the only claim you’d be eligible to make is a property one. However, injuries inflicted onto you during an accident qualify you to make a personal injury claim.
You might find yourself in a case where you were injured by somebody else due to their carelessness or lack of adherence to the law. This sort of negligence is a direct personal claim. However, you should know that not all personal injury claims get to win the jury’s favor in court.
This is mainly because insurance companies have handled such cases over several years, and most will term these cases as rather bogus. This means that the jury isn’t going to give in easily to your case regardless of how obvious the accident cause may seem.
This is a good reason as to why you need to have a trusted lawyer that’ll make sure that you get the facts right in order to nail the case in court. There are also some cases where the accident can be fatal, resulting in death. This can give the family of the deceased a chance to file for a personal injury claim due to wrongful death.
2. Facts on Personal Injury Claims
Have you ever wondered how an insurance company works? In a real sense, insurance companies operate on the basis of spreading the risk we all face in a pool with other people likely to face a similar situation. Therefore, the whole point of having an insurance company is simply to reduce the risk of having to go through a major financial loss after an accident.
What you need to know is that insurance companies will never make money off paying claims, but only through selling their premiums to customers. This means that a typical insurance company will be hesitant about paying your personal injury claims. After all, it takes a long process just to get your car damages repaired as you may have to wait for investigations and approval to be done first.
That aside, you should also know that both you and your family members are entitled to compensation from a negligent third party. Jeffrey Preszler from Preszler Law says that an injured person’s family members may be eligible to recover their own damages after an accident has occurred. You can either sue as a family or each member sues individually.
However, regardless of whoever is suing, the defendant’s insurance company shall also fight the suit since they may not be eligible to pay the claims. This means that you’ll need to alert a reliable lawyer that can identify who is at fault and who will help you to recover your damage costs in the event of an accident.
This can save you time that you’d have end up wasting with insurance companies that only take you in circles after you make a claim.
3. Bad Things That Could Happen During the Injury Claim Process
You may think that the injury claim process after an accident should be able to run as smooth as possible especially if everything seems obvious. However, you need to remember that neither the person at fault nor the insurance company may be willing to accept the fault or even incur the damage costs. Here are some of the issues you may go through during a potential injury claim process:
- The person at fault may not alert his/her insurance company about the case.
- The insurance company may delay investigations and hesitate in accepting financial responsibility.
- The person at fault may not have an insurance company.
- In the case where you’re still trying to repay a loan on your car, you may risk your car being repossessed due to a potential relapse in payment of the same.
- If the value of your car is far less than the amount of loan you still own, you risk losing your car and having to repay the overdue loan.
You can never be too careful even despite having insurance cover to always protect you against accident cases. Therefore, the best way to protect yourself is to have a vigilant lawyer that can give you a heads up regarding a potential injury claim.