Most of the time, it is not the smartest idea to try to settle a car accident claim without an attorney. The insurance company can take advantage of the fact that you do not have any representation. But, there are some cases in which handling a car accident claim without an attorney makes sense. If your case has minimal damages and/or medical expenses, it may be smarter to not hire an attorney. You could end up receiving a higher compensation if you choose to not hire any representation. There are a few specific steps that you should follow if you decide to handle the claim on your own.
5 Steps to Settling Your Own Car Accident Claim
1) Obtain the Accident Report
The first thing you should do is be sure to obtain the accident report. This is the report that the police officer fills out with the information they received at the scene of your accident. To get the report, you can contact the department for which the officer works for. This report will contain important notes regarding the conclusion that the officer came to about your accident. These notes will be essential because you will see if the person at fault for the accident received a ticket.
2) Retrieve Medical Records
The next thing you should do is to retrieve your medical records. You will need to get these from all of the medical facilities you were aided by, including ambulance services. By having these records, you will be able to show how severe your injuries were and the cost paid.
3) Obtain Lost Wages Information
The third step you should take is to obtain any lost wages information that you have. It is essential to show how many days you are entitled to be paid for the loss. Along with this, you should also collect any pictures of evidence of the vehicles involved in the accident. Having these pictures of the damages as well as your medical records will be able to prove the severity of the accident. You should also take photos of your injuries right after they happen and keep documentation of any permanent damages they may have caused. When you present your claim, it will make all of the difference to show proof of the injuries and the damage they may have caused you.
4) Gather Health Insurance Information
The last thing you should be sure to do is to gather all of your health insurance information. If you used your health insurance to pay any medical bills you had, you must know how much you spent on treatment.
5) Meet With the Insurance Provider
Once you have all of this information, you should put it together to bring it to the insurance provider. When you meet with them, you should either include a demand or ask them for an offer. Before doing this, you need to make sure that you know how much your health insurance company paid. Any outstanding bills will need to be paid from the settlement offer as well. One thing you need to be sure of is that you are fully recovered from your injuries. Once you settle your case without the help of legal representation, you will not be able to bring another claim against the other driver. This is why it is crucial to make sure you are fully recovered and that there is no chance of the injury coming back or having new ones appear.
If you decide you need help, the Dixie Law Group, PSC attorneys, are trained and have experience with car accident cases. We offer a no-risk, no-fee, 100% free consultation with a lawyer, usually on the same day you call. Call us at 502-208-1436 to speak with a lawyer now!