After being seriously injured in an accident, it can be a challenge to figure out what your next steps should be. Will you need to contact the police department? Whose insurance company do you file a claim with? Who is to blame for causing your injuries? These are just a few of the most common questions accident survivors are plagued with.
For this reason, we have gone into greater detail about what you should do following your accident in Boston, and how you can go about securing the compensation you need to recuperate.
File a Claim with the Insurance
There are a couple of different ways you can go about securing the compensation you need after an accident caused by a negligent party. The first of which is filing a claim with the insurance company.
No matter what type of accident you were involved in—whether a motor vehicle wreck, slip-and-fall accident, or medical malpractice incident—in most cases, the liable party will be protected by some form of insurance.
Filing a claim with the insurance company will be your first opportunity to obtain compensation for your damages. However, the insurer is not likely to be willing to settle your claim without a word. In fact, you should expect the insurance company to do anything it can to reduce or eliminate the amount of your injury settlement.
To avoid being taken advantage of by an insurer that is only looking out for its own profits, have your attorney handle the insurance claim on your behalf. This will prevent the insurance adjuster from using your own words against your or tricking you into accepting an offer that is well below what you actually deserve.
Fight for the Compensation You Deserve in Court
The insurance company pushing back against your claim doesn’t necessarily mean you won’t be able to obtain an insurance settlement. But, even if you are able to secure compensation through the insurer, it may not adequately meet your needs.
The insurance company will be obligated to pay out on your claim only up to the maximum limits of the policyholder’s insurance policy. This means if they were only insured for medical expenses up to $50,000, but your medical expenses more than triple that, you’ll need to bring your case to court to obtain the remaining costs.
What’s more, insurance companies don’t typically provide compensation for losses that are not financial in nature, so if you hope to be awarded compensation for pain and suffering or lost quality of life, for example, going to court may be your best option.
Reach Out to a Personal Injury Lawyer in Boston
Filing an insurance claim and going to court can seem intimidating, especially during your recovery. Unfortunately, this may be the best way to get the most out of your civil lawsuit. For all the legal help you need to get through this difficult time in your life, reach out to an experienced Boston personal injury lawyer.