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Crash Course: Understanding Car Accident Claims

If you were involved in or injured in a traffic accident, then it is important for you to file a car accident claim as soon as possible.

Car accidents are a heartbreaking reality that millions of people face every day across the country. The thought of being involved in a car accident makes anyone nervous, and the aftermath of a car accident can bring a tidal wave of emotions. Car accidents leave people with physical injuries, emotional trauma, and financial losses, leaving victims feeling powerless, overwhelmed, and devastated.

Not only do they cause physical injuries, but a car accident can leave deep emotional scars that take years to heal. The memory of the accident can haunt victims and their families for a lifetime, making it difficult to move forward. In addition to the emotional aspect, car accidents can also cause financial strain on families. Medical bills, car repairs, and a loss of wages add up quickly. The thought of having to navigate the car accident insurance claims process on top of everything else can feel like an impossible task. Despite it being overwhelming, it is important to understand the car accident insurance claims process in order to ensure that you or your loved one receives the compensation you deserve, as well as a fair settlement from the insurance company. 

Common Car Accident Injuries What is a car accident claim and how does it help with accident coverage? 

A car accident claim is a legal request made by a victim of a car accident to receive compensation for any damages or injuries that they suffered as a result of the accident. The compensation received from a claim could cover medical expenses, lost wages, property damage, and any other costs that stem from the accident.

In order to file a car accident claim, the victim needs to provide evidence of the accident, such as police reports, witness statements, and photographs. It is important to know that the claim is filed with the insurance company of the at-fault driver. After the claim is filed, the insurance company will investigate and determine the amount of compensation the victim is entitled to based on the damages and their injuries.

In some cases, if the insurance company and the person cannot agree on a fair compensation amount, a lawsuit may be necessary to settle the claim. It's important to note that car accident claims can be complicated, and it's often helpful to consult with an experienced attorney who can provide guidance and representation throughout the process.

The Insurance Claims Process After Experiencing a Traffic Accident or Injury 

After a car accident, the first step is to report the accident to your insurance company. This should be done as soon as possible, regardless of who was the at-fault driver. You will be asked to provide your insurance company with the following information:

  • Your policy number

  • Date, time, and location of the accident

  • A description of the accident

  • The contact information of all the parties involved 

  • Witness contact information


Once you have reported the accident and provided the above information, your insurance company will assign an adjuster to your case. The insurance adjuster will investigate the accident, determining who was at fault, assessing the damage, and documenting the injuries sustained by all involved in the accident.

If the other driver was at fault, your insurance company will file a claim with the other driver's insurance company. If you’re at fault, your insurance company will be responsible for paying for the damages and injuries sustained by the other parties involved. If someone was injured in the accident, your insurance company may also cover medical expenses and lost wages, making it essential to keep all documentation related to your medical treatment and lost wages. 

Once the investigation is complete, your insurance company will give you a settlement offer, which includes compensation for damages to your vehicle, medical bills, and lost wages. If you agree to the offer, you will need to sign a release form stating that you will not pursue any further legal action against the other driver or their insurance company. If you do not agree with the settlement offer, you should hire an attorney from Wettermark Keith. They can negotiate with your insurance company to try and reach a higher settlement amount. If negotiations are unsuccessful, your attorney can file a lawsuit against the other driver’s insurance company.

How to Have a Successful Car Insurance Claim When Filing with the Insurance Car Accident Attorney Company

In order to achieve a successful car accident insurance claim, there are several steps you should take after an accident: 

  1. Documentation 

At the scene of the accident, you must take photos of the accident scene if you are able to do so. These pictures should include the damage to your vehicle and any injuries sustained. Then, you need to seek medical attention as soon as possible, since you need a record of all medical treatment and expenses related to the accident.

  1. Contact a Lawyer 

In order to receive the best settlement offer, you must hire an attorney. You cannot trust that the insurance adjuster will have your best interest at heart; in fact, they will often try to low ball your settlement offer. A car accident lawyer will get you the compensation you deserve

  1. Be Patient

The car accident insurance claims process can be lengthy, but it's essential to be patient and let the adjuster and your attorneys complete their investigation to start negotiations. 

How Long Do I Have to File a Car Insurance Claim with the Insurance Company After an Accident

The time frame for filing a car insurance claim after an accident can vary depending on the insurance company and the specific policy terms. However, it is generally recommended to file a claim as soon as possible after an accident to ensure that the process goes smoothly and that you receive any compensation or benefits you are entitled to. If you do not file it in a timely manner, the insurance company may use that as a way to deny your claim, leaving you without the damages you are seeking. 

Some insurance companies require that you file a claim within a certain number of days after the accident, while others may have a more flexible timeline. It is important to review your policy documentation or contact your insurance company directly to determine the specific requirements and deadlines for filing a claim. Filing a claim promptly can also help ensure that any damage or injuries are properly documented and assessed by the insurance company, which can help streamline the claims process and improve your chances of receiving fair compensation for any losses or expenses resulting from the accident.

Common Reasons that your Car Accident Claim is Denied by the Insurance Company

Although your insurance company is supposed to work to help you in moments like this, car accident claims are often denied. This can be extremely frustrating, knowing you pay for car insurance for moments like this, and your car insurance company refuses to help. The most common reasons why a car accident claim may be denied by an insurance company include:

Policy Exclusions:

Insurance policies usually have exclusions that are not covered by the policy. For instance, your policy may exclude coverage for damages caused by drivers who are not listed on the policy or for certain types of accidents such as racing. If your claim falls under one of the policy exclusions, your insurance company will deny your claim.

Failure to Report the Accident:

Insurance policies have specific requirements for reporting an accident, including the time-frame of reporting. If you do not report the accident to your insurance company within the required time-frame, they may deny your claim.

Disputed Liability:

If the insurance company believes that you were at fault for the accident, they may deny your claim or offer a lower settlement amount. Liability disputes can arise if the other driver denies fault, there are no witnesses to the accident, or there is conflicting evidence.

Insufficient Evidence:

To support your claim, you need to provide as much evidence as possible, including photos of the accident scene, witness statements, and police reports. If you do not provide enough evidence to support your claim, the insurance company may deny it.

Lack of Coverage:

If you do not have the appropriate coverage for the type of accident or damage that occurred, the insurance company may deny your claim. For example, if you only have liability insurance, which covers damages that you cause to others, and not collision insurance, which covers damages to your own vehicle, then the insurance company will not cover the cost of repairing your car.

Preexisting Damage:

If the insurance company believes that the damage to your vehicle was preexisting or not related to the accident, they may deny your claim. Insurance adjusters will inspect your vehicle to determine whether or not the damage was caused by the accident.

Fraudulent Claims:

If the insurance company suspects that your claim is fraudulent, then they may deny your claim and potentially pursue legal action against you. Examples of fraudulent claims include exaggerating the extent of your injuries or submitting false documentation to support your claim.

If your claim is denied, you can try to appeal the decision or seek legal advice. An attorney from Wettermark Keith can help you understand your rights and options in order to assist you in negotiating with the insurance company.

What if the Other Driver Involved in the Accident does not have insurance? 

If you've been in a car accident, and the other driver is uninsured, you may feel anxious and uncertain about what to do next. However, there are steps you can take to protect your legal and financial interests when filing a car accident claim against the at-fault driver. 

In order to make sure the process goes as smoothly as possible, it is essential to obtain as much information from the other driver as possible. Get their name, address, phone number, email address, and driver's license number. If the other driver is unable or unwilling to provide this information, contact the police. Next, contact your insurance company to report the accident. It is extremely important to understand that if you have uninsured motorist coverage, your insurance company may be able to cover the damages to your vehicle and any medical expenses you incurred due to the accident.

If you don't have uninsured motorist coverage, you may need to take legal action to recover damages from the other driver. You can hire a lawyer who specializes in car accidents to help you navigate the claims process and negotiate with the other driver. Your lawyer may be able to help you recover damages such as medical expenses, lost wages, and pain and suffering.

Most importantly, it is essential to document everything related to the accident, such as photos of the damage to your vehicle and any injuries you sustained, witness statements, and medical bills. This documentation can help you in the car insurance claims process and potentially in any legal proceedings. Dealing with an uninsured driver in a car accident can be challenging, but taking these necessary steps after an accident can help you protect your legal and financial interests during this process.

Will Your Car Insurance Rates Increase After Filing A Claim? 

Whether or not your insurance rates will increase after filing a car accident claim depends on various factors, such as the severity of the accident, who was at fault, and the insurance company's policies. In general, if you were at fault in the accident, your insurance rates are likely to increase. The increase will vary depending on the severity of the accident, the cost of the damages, and your driving record. Typically, the more severe the accident, the greater the increase in your insurance rates. If the other driver was at fault, your insurance rates may not increase, or the increase may be minimal. However, some insurance companies may still raise your rates even if you were not at fault in the accident. This is why it is extremely important to file a claim with an attorney, since they will be able to maximize the compensation you receive for the incident. This will help set you up to more successfully pay those increased rates in your time of need, since the compensation the attorney helped you achieve can pay for any medical or vehicle expenses related to the accident. 

If you have a history of multiple accidents or traffic violations, your insurance rates are more likely to increase after filing a claim. Insurance companies view drivers with a history of accidents and violations as a higher risk, and as a result, they may charge higher premiums. It's important to note that each insurance company has its own policies and practices, so it's best to check with your insurance provider to understand how filing a claim may impact your rates. Whether or not your insurance rates increase after filing a car accident claim will depend on a variety of factors, including who was at fault and your driving history, which is why it's always essential to prioritize safety on the road to avoid accidents and potential increases in insurance rates.

Wettermark Keith: Car Accident Insurance Claim Lawyers to Help with Your Car Insurance Claim 

Dealing with the aftermath of a car accident can be a daunting experience, but knowing the car accident insurance claims

process can help you during the stressful claims process. By following the tips outlined in this article, you can ensure that you receive just compensation in your settlement, which will pay for your vehicle damages and injuries. 

At Wettermark Keith, our lawyers are passionate about their work. While investigating your traffic incident and injuries, our car accident attorneys and their associates will gather evidence and seek to bring about legal justice for you or your loved one. Wettermark Keith, with offices located throughout Alabama, Tennessee and now Florida, has an excellent reputation as one of the most accomplished personal injury firms in the country. Wettermark Keith’s reach is not only regional, but it also includes a diverse range of practice areas including car accident lawyers. 

We believe in taking cases personally. Our purpose is to practice with care and compassion- to tell our clients’ stories and make their voices heard. We do this by building strong relationships based on constant communication and an unwavering dedication to truth and trust. You should never wonder what’s going on with your case. Our firm will keep you in the loop and represent you as if you are family- because to us, you are. Do not hesitate to contact us at (877) 715-9300 or through our online form to set up a free consultation with our legal staff.

If We Produce No Recovery from Your Accident Claim, Then You Pay No Fee- Guaranteed!

At Wettermark Keith, we recognize the financial struggles that come with an injury caused by another person's negligence. With that in mind, our law firm operates on a contingency fee basis. We don’t charge any upfront costs and we advance all legal fees to the conclusion of your premises liability case. You will only pay us if we win your case, guaranteed. Our goal is for you to have the most successful outcome possible - let our lawyers take care of the rest!

Frequently Asked Questions

After a car accident, it's essential to take certain steps to ensure your safety and protect your legal and financial interests. The first priority is to ensure that everyone involved in the accident is safe. Check yourself and any passengers for injuries, and call emergency services. Then, exchange information with the other driver. Get their name, address, phone number, email address, driver's license number, license plate number, and insurance information. If there were witnesses to the accident, obtain their names and contact information as well. Take photos of the damage to your vehicle and the other driver's vehicle, and any other relevant details, such as the location of the accident, traffic signals, or road signs. Finally, seek medical attention if you have any injuries, no matter how minor they may seem. Some injuries, such as whiplash or head injuries, may not show symptoms immediately, so it's essential to get checked out by a medical professional.

Ready to work together? Contact us today for a free consultation.


If you or a loved one have been injured and think you might have a case, call us now for a free consultation.