Chicago Car Accidents - The Claims Process

By Matt Willens  Oct. 30, 2015 9:04a

It can be frustrating and intimidating to negotiate a car accident claim with an insurance company.

A car accident can leave you stressed and confused. The injuries, vehicle damage, and pain and suffering can leave you devastated. To make matters worse, you may have to negotiate with an insurance company to settle your car accident claim. The insurance company may make an offer of settlement that you feel pressured to accept. However, it is important that you speak to a car insurance injury lawyer before you sign a settlement.

Notify the Insurance Company

The first step to the claim process is notifying the insurance company. This will help determine the potential resources that can provide compensation for the claim. In most cases, only the insurance companies of the parties involved in the accident will be involved. However, some cases may involve additional insurers as well. If the car accident is the result of a third party, such as the vehicle manufacturer, then the insurer of the third party would have to be notified. If you are not sure as to which resources you can approach to seek compensation, contact a competent Chicago auto accident lawyer.

Assignment of Insurance Adjuster

When the car accident is reported to an insurance company, they will assign a claim number immediately. The company will also assign an insurance adjuster to handle your claim. The claim number assigned at the beginning of the claim process remains the same throughout.

Property Damage Claim

A property damage claim such as those related to vehicle repair are handled separately from a bodily injury claim. You will have to make different claims for your personal injuries and property damage.

Demand Letter

At the start of the claim process, you may (with the help of your attorney) submit a demand letter to the other party or parties requesting compensation for afll the losses suffered because of the car accident.

Offer of Settlement

At the start, the insurance company may make an offer to quickly settle the claim. If the offer does not cover your basic expenses, do not accept the offer. In response to this offer, your attorney can make a counter offer. If the negotiations fail and the insurer fails to provide adequate compensation, the case would go to trial or enter the litigation phase. If your case goes to trial, a jury will decide as to what compensation you deserve and the decision will be binding on both parties.

The legalities and negotiations can make the claims process confusing and stressful. It is important to have an experienced Chicago car accident attorney on your side. Call Willens Law Offices at (312) 957-4166 for a free case evaluation.