After a serious motor vehicle accident, those with injuries have many problems to deal with. First and foremost is the important work of healing and recovering from their injuries. However, this can be an expensive undertaking, and it is not always easy to know how long it will take to fully recover. While many accident victims will end up dealing with insurance companies to help cover their medical expenses, this can be a complicated process.
California law allows injured accident victims to file claims through the at-fault driver’s insurance policy. To improve the chances of a successful claim, an accident victim should keep the following in mind:
- It is important to gather as many details as possible about the accident, including pictures of the scene and information from witnesses.
- An accident victim should keep all medical records related to the accident, including photos of one’s injuries.
- Any receipts from medical expenses related to accident injuries will be important.
- An accident victims should provide proof of any last wages resulting from the accident.
- It is not wise to accept the first offer of a settlement amount until the victim knows the full extent of injuries and the possibility of needing future treatment.
Keeping these factors in mind may help an injured individual present a complete picture when dealing with insurance companies, especially if the insurer is reluctant to pay a fair amount for a claim. It is not unusual for an insurance company to deny a claim or attempt to reduce the amount an accident victim is due. Additionally, California’s comparative negligence laws may complicate an injured party’s efforts to obtain the compensation he or she needs for quality medical care.