Car Accident Settlement Alpharetta
If you are involved in a car accident, chances are you will end up filing some claim for vehicle damage or injury (maybe both). The claim can be resolved in different ways, usually by a car accident settlement Alpharetta that you receive from the insurance company of the at-fault driver.
However, some accidents involve claims made through your insurance coverage, especially if you live in a “no-fault” state. Most car accident cases are resolved through settlement negotiations between an insurance company and the injured party. Only a small percentage of car accident cases go for trial in court. This is because car accident claims Georgia can often be resolved without filing a lawsuit.
In this section, we will explain how car insurance comes into play in a car accident settlement Alpharetta, and what to expect during the claim process. Read on to learn about the settlement process and the timeline.
Reporting Car Accidents
Many states require drivers to report car accidents to the local police department, county sheriff, or state highway patrol. Furthermore, some states require a written report of the accident if anyone was severely injured or killed or if there was significant property damage.
Check your state’s laws to find out the specific reporting requirements.
Car Insurance Laws
Nearly all states (except New Hampshire and Virginia) require every driver to carry car insurance. Generally, there are two types of systems regarding car accident liability:
- At-fault system
- No-fault system
Your car accident settlement process depends on the system that your state follows.
At-Fault System (Traditional Insurance Coverage)
Many states have adopted the traditional fault system, which makes a person who’s at fault for the car accident fully responsible for the resulting damages. Once it becomes clear that the other driver was at fault, you’ve the following options:
1. File a claim with your insurance company;
2. File a third-party claim with the insurance company of the other driver; or
3. File a lawsuit against that driver.
While you have a right to file a lawsuit, remember that you will create an opportunity for the other party to counter-sue you if you choose to file a suit.
If you live in a no-fault state, you can collect monetary damages (e.g., lost wages and medical expenses) regardless of who caused the accident. Your insurance company will be required to pay you for your injuries up to your policy limit. Under this system, you can’t sue the other driver, which shields you from being sued as well.
Car Accident Settlement Process
You can resolve your dispute without going to trial and settle your claim. This is the way most car accident claims are resolved. Parties usually prefer settling their cases before going to court since there is no guarantee of a favorable outcome in a jury trial. File an insurance claim so that you can recover damages for any loss of income, medical expenses, and pain and suffering damages that resulted from the car accident.
First, you should focus on gathering the necessary evidence and information that’ll support your claim. Supporting your claim with evidence, such as medication, medical records, and medical treatment receipts, photos, and witness testimony, will help you to build a strong case. After gathering the necessary documents and information, you will have to draft a demand letter that explains your injuries, states your claim, and lays out the damages you would like to recover.
Send the demand letter to the insurance company
Send the demand letter to the insurance company. They will launch an investigation on your claim and determine whether to accept or reject it. The insurance provider will make a settlement offer if they accept your claim.
At this point, both parties will start to negotiate to reach an agreement. If the company denies or rejects your claim, you will still likely have a chance of appealing to the claims adjuster. If you decide to sue the other driver, you will need to draft a complaint and submit it to a district or county court to make an initial filing.
Do You Need A Car Accident Settlement Attorney? Contact Us Today
Car accidents are subject to several state-specific laws such as statutes of limitations, car insurance policies, and damage caps for things like medical bills. As a result, it is easy to underestimate your damages or even overlook critical factors in your case.
Car Accident Settlement Alpharetta
If you intend to file a car accident claim or have received a settlement offer, a car accident settlement Alpharetta attorney at Singleton Law Firm can help you make the right decisions.
Call us today at (770) 889 6010 or contact us online to schedule a FREE, NO-OBLIGATION CONSULTATION with our attorney.