In Connecticut, many individuals find themselves grappling with insurance claims post-accident. When this happens, accident victims may become frustrated that the settlement for their claim is taking so long to finalize.
When this happens, they may accept any offer from the insurance company because of the pressure from medical bills and other accident-related costs. Unfortunately, this often means they get much less compensation than they deserve.
At Perkins Injury Lawyers, we understand how frustrating dealing with insurance companies can be. Our legal team comprises experienced negotiators who can help you get the full compensation you deserve while expediting the claims process. Learn more about navigating the post-accident insurance claims process here, and contact our office for assistance.
Understanding Your Insurance Policy
When dealing with the insurance company, you must understand your policy. Some essential elements of these policies to understand include:
Mandatory Coverages
In Connecticut, it is legally required for all vehicle owners to have a minimum insurance coverage to drive. The minimum liability coverage stipulates $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident.
Uninsured/Underinsured Motorist Coverage
Additionally, Connecticut law mandates that drivers carry uninsured/underinsured motorist coverage, which protects you if you are involved in an accident with an at-fault driver who does not carry sufficient insurance to cover the damages incurred. The minimum required limits for this coverage are $25,000 per person and $50,000 per accident for bodily injury.
Policy Review and Update
Reviewing and updating your insurance policy periodically to reflect current Connecticut laws and circumstances is advisable. Ensure you understand all the terms and conditions specified in your policy, including the deductible amount you pay out of pocket before your insurance kicks in to cover the remaining costs.
Steps to Take Immediately After an Accident
After an accident, it is necessary to take certain steps to protect your right to compensation. The steps you should take immediately after being involved in an accident include the following:
Ensure Safety
First and foremost, check the well-being of all individuals involved. If it is safe to do so, move vehicles out of the traffic to a safe location.
Notify the Authorities
In Connecticut, it’s required to report the accident to the police if there are injuries, death, or significant property damage. Make the call promptly.
Exchange Information
Share and collect necessary details with all parties involved. This includes names, addresses, driver’s license numbers, and insurance details.
Document the Scene
If possible, take photographs of the accident scene, including the damages to the vehicles and any visible injuries. It is wise to note the exact location, time, and weather conditions as well.
Seek Witnesses
If there are witnesses around, gather their statements and contact details. Their accounts can provide a more comprehensive view of the incident during the claims process.
By following these steps diligently, you will be well-prepared for the insurance claims process that follows an accident in Connecticut. The straightforward procedure ensures you have all the necessary information handy when initiating your claim.
Initiating the Insurance Claim
After you have taking the proper steps at the accident scene, it is time to initiate the insurance claim.
Contact Your Insurer
After attending to immediate concerns post-accident, the next critical step is to notify your insurance company. In Connecticut, it’s advisable to do this as soon as possible to set the claims process in motion promptly.
Gather Necessary Information
Prepare a file with all the requisite details including:
- The insurance policy number
- Date, time, and location of the accident
- Details of the other parties involved (name, contact information, and insurance details)
- Police report number (if available)
This information will be vital in filing a detailed and accurate claim.
Obtaining a Claim Number
Once your insurance company will provide you with a claim number. This is a unique identifier for your case, helping you to track the progress of your claim and facilitate communication with the insurance company. Ensure to keep this number safely documented.
Adjuster Appointment
Following the claim initiation, the insurance company will assign an adjuster to your case. This person is responsible for inspecting the damages and determining the compensation amount. It’s essential to be cooperative and provide them with all the necessary information to help in a fair assessment.
Organize Documentation
Arrange all the necessary documents including photos from the accident scene, medical reports (if any), and repair bills neatly. Keeping a well-organized file will aid in a smooth and faster claim process.
How an Attorney Can Assist with Insurance Claims
If you need to file an insurance claim, our legal team can help. Some of the ways our Connecticut personal injury lawyer can help with your insurance claim post-accident include:
Legal Guidance
An attorney can help you understand Connecticut’s specific laws and regulations that govern insurance claims. They will guide you on the statutory limitations and help in interpreting the policy terms correctly.
Negotiation with Insurance Companies
Attorneys can negotiate with insurance companies on your behalf. With a deep understanding of Connecticut laws, they can fight for a fair settlement, ensuring you receive what you are rightfully entitled to.
Representing You in Court
In some cases, the insurance claim might escalate to a lawsuit. Having an attorney ensures that you have professional representation in court to present your case strongly, abiding by all Connecticut legal stipulations.
Stress Reduction
Having an attorney by your side can significantly reduce the stress associated with navigating the complex insurance claims process. They can take over the meticulous task of organizing documents and meeting all legal requirements, allowing you to focus on recovery.
By seeking the help of an attorney during the insurance claims process in Connecticut, you can enhance the prospects of receiving a fair settlement while adhering to the legal norms of the state. Their expertise can be a valuable asset in navigating the post-accident procedures effectively.
Understanding the Insurance Claim Process Post-Accident
If you have been involved in an accident, you know how daunting the insurance claim process can be. At Jonathan Perkins Injury Lawyers, our Connecticut personal injury lawyers want to help you get through this process, while ensuring you get the maximum compensation you deserve.
Contact our office to schedule a free consultation. Our legal team is ready to help you with your post-accident insurance claim.