After a car accident, one of the first things people often think about is insurance. Insurance companies are involved in almost every accident claim, whether you are dealing with your own policy or the other driver’s insurance. Fortunately, your Arlington, VA car accident lawyer can help you secure the money you need, when you need it – and at Antezana & Antezana LLC, we’ve been helping clients just like you for over 20 years. Read on to learn more, and contact us today.
How Insurance Companies Operate
Insurance companies are businesses first. Their goal is to pay out as little as possible on claims. This means the initial settlement offer from an insurance company is often lower than what the accident victim actually needs to cover medical expenses, lost income, and other damages.
Adjusters review the accident, look at the evidence, and decide what they believe the claim is worth. Their evaluation may not fully account for long-term medical care, emotional suffering, or lost earning capacity. That is why it is important to have your Arlington car accident lawyer on hand when you’re dealing with insurance providers.
The Role Of Fault In Insurance Claims
Fault plays a big part in how insurance impacts car and motorcycle accident claims. If the other driver was at fault, their insurance company is usually responsible for paying damages. However, if there is a dispute about who caused the accident, both insurance companies may try to shift blame.
Types Of Insurance Coverage
The type and amount of insurance coverage also affect the claim. Most states require drivers to carry liability insurance to cover damages they cause to others. However, if the at-fault driver has only minimal coverage, the injured person’s damages may exceed what their policy will pay.
In these situations, uninsured or underinsured motorist coverage on your own policy can help cover the difference. Medical payments coverage or personal injury protection may also be available, depending on the state and the insurance plan. Your vehicle collision lawyer will review all possible sources of coverage to make sure nothing is overlooked.
How Medical Bills Are Paid
As your Arlington car accident lawyer can explain, one of the biggest concerns after an accident is paying for medical care. Insurance affects this in several ways. The at-fault driver’s insurance is usually responsible for covering medical expenses, but these payments often come at the end of the claim.
Dealing With Insurance Adjusters
Insurance adjusters may seem friendly, but their job is to protect the insurance company’s interests. They might ask for recorded statements or request access to medical records. These requests can sometimes be used to reduce the value of a claim.
That is why working with a traffic accident lawyer can help. We handle communication with insurance companies, gather the right evidence, and make sure settlement offers reflect the true cost of the accident, not just what the insurance company wants to pay.
How We Can Help With Your Claim
At Antezana & Antezana LLC, we’ve spent over 20 years helping our clients with a broad range of personal injury claims. From car crashes to trucking accidents, we’ve built our legal experience and case history on attention to detail and dedicated case management. Contact us today, and see how a car wreck lawyer from our team can make a difference.
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