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Dealing with insurance companies after an accident can be a complex process

A car accident can be a frightening experience, resulting in extensive property damage and serious injuries to drivers, passengers and bystanders. The period following a car accident can be equally confusing and seem overwhelming. Aside from taking the time to heal physically, there are many financial considerations that need to be addressed.

If an individual is involved in a car accident, a number of steps are recommended. After receiving appropriate medical care, it will be necessary to file a claim with an insurance company. A properly filed insurance claim can help an individual obtain compensation for large medical bills and lost wages, as well as pain and suffering caused by the accident. The situation, however, may become more complex if the careless motorist is uninsured or underinsured. In these cases it is important to take the proper steps which should include consulting an attorney with experience in these cases.

In all car accidents, the crash should typically be reported to an insurance company within 24 hours, if possible. If the accident was caused by another driver, the other individual's insurance company will likely require a detailed report. Before speaking with the other driver's insurance company, an individual should be prepared to explain the facts leading up to the accident as well as provide a full description of any injuries.

The insurance claim process

Once an accident is reported, the insurance company will then open an investigation of the claim and determine whether to issue a settlement check. The amount of the settlement depends on the amount of damages. Calculating medical bills, property damage and lost wages can be straightforward, though determining compensation for pain and suffering can be much more difficult. Often, the amount offered by the insurance company can be inadequate to compensate a person for all damages suffered in the accident.

The insurance company may even deny the claim for any number of reasons. An individual may have waited too long to file a claim, there may be a dispute as to which driver caused the accident or a disagreement over the amount of compensation for the injuries.

Additionally, an insurance company may require that an individual undergo an independent medical examination and may use failure to submit to an exam as justification for denying a claim. Finally, an insurance company may only cover certain types of accidents. However, an individual may appeal an insurance claim that is initially denied.

An individual injured in an accident with questions about filing an insurance claim could benefit by speaking with an experienced personal injury attorney. This is especially important when dealing with a case that involves an uninsured or underinsured motorist. A skilled personal injury attorney can assist with all aspects of the insurance claim process, including cases of denial of coverage or when an insurance company delays payment of a valid claim. An experienced lawyer can work to obtain full compensation for the injured party.

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25188 Genesee Trail Road,
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Golden, CO 80401

Phone: 720-443-5876
Fax: 720-904-0471
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