Getting Started with a Car Insurance Claim After an Accident

Getting Started with a Car Insurance Claim After an Accident

Blue car with dents and smashed headlightIf another driver’s negligence leaves you injured in a car accident, you’re no doubt feeling disoriented – at best. Knowing how best to proceed can help protect your rights and help ensure that you receive the compensation to which you are entitled. If you’ve been injured by another driver’s negligence, work closely with an experienced North Carolina/South Carolina personal injury lawyer to help ensure that you’re adequately compensated.

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How Insurance Companies Try to Minimize Settlement Payouts

If you are involved in a serious car accident, chances are you are suffering from injuries and receiving medical treatment. However, when it comes to compensating you, insurance companies are not interested in paying you top dollar for your case. Instead, they are only interested in saving themselves money and keeping as much of it in-house as possible.

In an effort to resolve some car accident cases, the insurance company will offer the accident victim just enough money to make the case go away. It may even be necessary to send a draft lawsuit to the insurance company’s adjuster – or actually file the lawsuit – in order for the insurance company to take the car accident case seriously.

At Bice Law, our experienced legal team understands that insurance companies are not out to help you following a car accident. We are also aware of the common arguments insurance adjusters make in order to avoid paying you the money you deserve. Our attorneys are fully to prepared to negotiate aggressively on your behalf and take the necessary legal steps to maximize your recovery.

Preexisting Injuries

In car accident cases, many insurance companies will try and turn preexisting injuries against you. Specifically, adjusters may argue that your preexisting injury or degenerative condition is the actual cause of your pain and suffering – not the car accident you were involved in.

A Carolina car accident lawyer can turn that argument around. He or she can allege that although you may suffer from a preexisting medical condition or injury, the car accident exacerbated your condition, making it significantly worse.

Gaps in Treatment

If you have significant gaps in your medical treatment following a car accident, insurance adjusters will likely bring that up during settlement negotiations. The adjuster may argue, for example, that given these gaps you were not injured to the extent you are claiming.

In many instances, however, there are justifiable reasons for delaying or resuming medical treatment. Those instances can include:

  • Lack of health insurance coverage
  • Belief that the current medical or physical therapy regimen is not helpin

Prior and Subsequent Car Accidents

If you have been involved in prior or subsequent car accident, the insurance company may try and use those to explain away your current symptoms or injuries. However, just because you were involved in a prior or subsequent accident does not mean that you were not injured in the current accident.

In the case of prior accidents, minor injuries can resolve quickly. Therefore, you may have been asymptomatic during the time immediately preceding your current accident.

Call a North & South Carolina Car Accident Lawyer Today for a Free Case Evaluation

If the insurance company is trying to lowball the settlement value of your case, you need an experienced car accident lawyer on your side. The skilled attorneys at Bice Law can advocate for your right to reasonable and fair compensation.

To schedule a free consultation and case evaluation with an experienced Carolina car accident lawyer, please call us today at 704-243-8778 (North Carolina) or 803-639-8777 (South Carolina), or contact us online.

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Four Things to Do after a South Carolina Car Accident

White car that was involved in a serious collision.

When you’re involved in a car accident caused by someone else, it’s often difficult to figure out what to do next. Unfortunately, the things that you say and do in the days and weeks after a serious crash can have an impact on how much you ultimately recover from the insurance company. Here are four things you can to do to protect your rights in the aftermath of a wreck. For more information, call Bice Law today to schedule a free consultation with a South Carolina car accident attorney.

Collect Information

If you’re able to do so, you should collect information about the way in which your accident occurred. Of course, never refuse medical treatment or ignore your injuries in order to do any of the following. Take pictures of the aftermath of the accident, and document things like:

  • The other driver’s name and insurance information
  • Any road conditions that you think may have contributed to the crash
  • Any damage to the other vehicle that may have existed before the accident
  • Contact information from eyewitnesses

See a Doctor, and Fully Engage in Medical Treatment

You should always see a doctor for a full medical evaluation after an accident, even you were cleared to go home by emergency medical personnel or you do not think that your injuries are that serious. In order to obtain compensation from an insurance company, you need to be able to provide documentation of your injuries – which is much, much easier when you have an official medical record. In addition, follow all of your doctor’s recommendations regarding follow-up care and treatment. If you don’t, you can give the insurance company an opportunity to argue that you are not as hurt as you claim to be.

Do NOT Accept a Settlement without Talking to a Lawyer

One tactic (of many) that insurance companies use to limit their liability is to offer victims a lowball settlement offer before they get a chance to talk to a lawyer. NEVER accept an offer before speaking with an attorney – as once you accept one, it’s nearly impossible to recover more compensation.

Call an Attorney as Soon as You Can after an Accident

Finally, you should call a lawyer as soon as you can after you’ve been injured in a car wreck. If you wait, you risk the loss or destruction of evidence critical to the success of your case. In addition, the sooner you’re represented by counsel, the sooner you can start focusing on the most critical part of the aftermath of an accident – your emotional and physical healing.

Call Bice Law Today to Schedule a Free Consultation with a Car Accident Lawyer in South Carolina

A serious car accident can leave victims with substantial losses, including medical bills, lost income, lost quality of life, and significant physical and emotional pain and suffering.  At Bice Law, we are dedicated to helping our clients get the compensation they deserve and are will never back down to large insurance companies. To schedule a free case evaluation with attorney Justin Bice, call our office today at 803-639-8777 or contact us online.

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