Every year, around 6 million Americans are involved in vehicle accidents. The vast majority of them end up filing a claim with either their or the other parties’ insurance company. Most of the time, the claim is accepted. The cost of repairing your vehicle and other expenses, like your medical bills, should be covered.
However, sometimes this does not happen. Your claim is denied, which is when you need to seek the help of a car insurance lawyer.
He or she will have the specialist knowledge you need to be able to fight the rejection and secure the cash you are entitled to and need. But, you have to play your part too. Here are some of the things you can do to strengthen your case and help them to win it for you.
Top of the list is being honest with your lawyer. You really do need to tell them everything.
There can’t be any surprises for them, later on down the line. If your lawyer does not know about something they cannot form an effective defense against it.
Before you contact a lawyer, sit down and get everything in order. Write down the chain of events. What happened, when, so you can clearly explain your situation to your new lawyer. Basically, you are creating a timeline of events for the accident and the processing of your claim.
Good communication during the early stages of your working relationship will make a huge difference to how smoothly things go.
Part of the process of preparing for your first conversation with your insurance lawyer is sorting out all of the relevant paperwork. In most cases, the best approach is to print everything out. Remember to photocopy any letters you have received in the post.
Next, organize it all into date order. Then, go through each document and check that you have included the event it relates to on your timeline.
It may also be a good idea to number each one. That way you can make a note on the timeline of all of the documents that relate to that specific event. The more organized you are, the easier it will be for your lawyer to quickly understand your claim.
Now that you have everything in order, you can start searching for the right person to help you to fight your insurance denial claim.
Ideally, you want someone who has experience of dealing with cases that are similar to yours. So, if you are motorcyclist, look for a lawyer who has handled motorcycle-related claims before.
Before signing the contract double-check their credentials. This can be done using your states bar association website.
Make sure that they are someone you can work with. If you can’t follow what they are telling you or feel that they are not truly listening to you, move on to the next lawyer.
You also want someone is clear about how much they charge. The last thing you need is for all of the cash you are awarded to be swallowed up by fees. This article will help you to understand the quote you get. It clearly explains what the different types of fees are.