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Medical bills, property damage, and lost wages can be substantial following an auto accident. A knowledgeable attorney can help you receive the compensation that you require.
The process varies from case to case, however, it generally begins with filing a complaint. The discovery phase, trial, and appeals are the next step.
Medical Records
Medical records are an important component of any auto accidents accident lawsuit. They will assist jurors or judges comprehend how the accident affected your life, as well as the emotional, physical and financial consequences of your injuries. Medical records will also reveal a story that insurance companies will have a hard to argue.
You may only have a certain period of time, based on the laws of your state and the policies of your doctor to obtain medical records. You should speak with your lawyer as soon following an accident as you can. Health Information Portability and Accountability Act or HIPAA guarantees your right to access these documents. However, this does not mean that you or your lawyer are the only ones able to look over your medical records. Insurance companies will often try to discover anything that may suggest that your injuries were pre-existing or not as severe as you claim.
Your lawyer will use the medical records you provide to create the letter of demand, which will include evidence supporting the damages you seek. It is crucial that your lawyer only provide relevant medical documents to the insurance company as they may request you to sign a medical authorization that permits them to access all of your medical records. This is not in your best interests since it could reveal previous injuries that aren't directly related to the present claim.
Police Reports
Every time a police official responds to a call for help, such as an accident, he or she creates a police report. Although they are not admissible in a court of law (they are deemed to be hearsay) they are valuable information for attorneys when investigating and preparing cases.
A police report provides an objective account of what happened in the accident, based on witnesses' statements and the officer's observations regarding the damage to the vehicles, weather conditions, Auto Accident drivers, and so on. It's a vital piece of evidence that could aid you in winning an auto accident lawsuit.
Typically you can request a copy your police report from the precinct which handled the investigation by calling their emergency number and providing an incident or receipt to identify the report. The police department might have a website where you can request copies online.
After your medical expenses as well as property damage and lost wages are at the amount of a certain amount, then you will need to bring a lawsuit against the driver at fault. The police report can be an effective tool during settlement negotiations, particularly when you can prove that the other driver was at fault based on the police officer's observations. Many cases end up reaching a settlement without ever going to trial. Pre-trial proceedings can take a long time and your case might not be resolved until a year after filing it.
Insurance Company Negotiations
After the adjuster has all the information he needs from you as well as your car accident investigation, he'll make an offer to settle. To make their first offer, they'll enter all the information and details into a computer program. They'll most likely arrive at a figure which is lower than what you calculated from your research. It's important to keep in mind that insurance companies have their own financial interest in mind when they decide on settlement offers.
They will seek to limit the amount they pay in medical bills and other damages. You are able to fight back if you mention the way your injuries will affect your life in the near future. For instance, you could highlight your growing medical bills, your diminished earnings potential, Auto Accident as well as the mental and physical pain you're experiencing.
Your attorney or you will prepare the letter of demand and then present it to an insurance company. The letter should include all the evidence you've collected, including witnesses' statements and photographs of your injuries. Additionally, you should create a list of non-negotiables to ensure that the insurance company is not undervaluing your claim. Once you have reached an agreement it will be documented in a written settlement agreement. Negotiations are usually back and forth affair, but remaining patient will help you achieve an equitable settlement.
Legal Advice
The next step in a car lawsuit involving an accident is discovery, during which both sides exchange information as well as evidence. Parties may seek medical documents, police reports or witness statements. They can also send another interrogatories (written questions that must be answered under oath by end of a specified time). Your lawyer will also record the severity of the physical mental, emotional, or psychological injuries you've sustained, as well as any other damages that may be sought, such as current and projected medical expenses as well as property damage and lost wages.
Your lawyer will speak with other experts, such as mechanics, medical experts, and engineers. These experts will aid in painting a an appealing image of your crash and the injuries you sustained for the jury.
Then, your lawyer will begin negotiations with insurance companies in order to attempt to settle your claim with out a trial. If the insurance company provides you with a low settlement or does not take your injuries and other damages into consideration the case could be heard at trial.
It is vital that victims file a lawsuit promptly, even though only a few cases make it to the courtroom. Memories fade, witnesses can pass away, and evidence can be lost over time, making it harder to present a convincing argument for the most compensation. Additionally, you must comply with the statute of limitations in your state, which could vary from 1 to 6 years.
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