Learn how to file insurance claims and secure maximum compensation
November 12, 2023
When a motor vehicle accident happens, everything can change in seconds. Beyond the shock and disruption, you’re suddenly faced with medical bills, vehicle repairs, and calls from insurance companies. Filing an insurance claim after a crash can feel overwhelming, especially when you’re unsure what to do or how to protect your rights.
This guide walks you through each step of the insurance claim process, explaining key coverage types, documentation tips, and how a motor vehicle accident lawyer can help you avoid costly mistakes and maximize your settlement.
The foundation of any successful claim is understanding your insurance coverage. Whether you’re filing with your own insurer or the at-fault driver’s, knowing what applies in your case helps you recover fully.
Here’s what each main type of coverage means:
1. Liability Insurance
Covers the at-fault driver’s responsibility for the crash, including property damage and bodily injury. This is mandatory in every U.S. state.
2. Personal Injury Protection (PIP) or Medical Payments Coverage
Pays for your medical expenses regardless of fault. PIP can also cover lost income and related costs. Some states require this coverage.
(Learn more about PIP coverage here.)
3. Uninsured/Underinsured Motorist Coverage (UM/UIM)
Protects you if the at-fault driver doesn’t have enough insurance or any at all. It fills the gap between their policy limit and your actual damages.
4. Collision Coverage
Pays for repairs or replacement of your vehicle, even if you caused the crash. This coverage usually applies if your car is financed.
5. Comprehensive Coverage
Handles non-collision losses like theft, vandalism, or storm damage.
6. No-Fault Insurance
Applies in no-fault states. Your own insurer covers your medical costs through PIP, and you can only sue the at-fault driver in serious injury cases.
Pro Tip: Review the minimum insurance requirements by state so you know what coverage levels apply where you live.
The process can vary slightly depending on your location and insurer, but these steps generally apply everywhere:
1. Ensure Safety and Call for Help
Move to a safe spot and check for injuries. Call emergency services if anyone is hurt.
2. Notify Law Enforcement
Always file a police report, even for minor crashes. It’s an essential document for your insurance claim.
3. Exchange Details at the Scene
Collect names, contact information, license plate numbers, and insurance details from everyone involved.
4. Document the Accident Thoroughly
Take photos and videos of vehicle damage, injuries, road conditions, and traffic signs. Gather witness statements if possible.
5. Inform Your Insurance Company Quickly
Most insurers require prompt notification — ideally within 24–48 hours. Be honest but brief when describing the incident.
6. Seek Medical Attention
Even if you feel fine, get checked by a doctor. Some injuries develop later. Medical records are crucial for claims.
7. Contact a Lawyer Early
Consulting a motor vehicle accident lawyer early ensures the insurance company doesn’t take advantage of you. Lawyers can communicate with insurers, gather documents, and handle the process while you recover.
Evidence is the foundation of your claim. The more detailed your records, the stronger your case will be.
Here’s what to keep:
A motor vehicle accident lawyer can review your documentation to ensure nothing is missing and help present it effectively to the insurer or court if needed.
Insurance adjusters are trained negotiators and their goal is to protect the company’s bottom line. Here’s how to approach them:
Be Cautious and Professional
Stay calm and stick to facts. Avoid discussing fault or guessing details. Everything you say may affect your payout.
Don’t Feel Pressured to Accept Early Offers
Initial offers are often lower than what your case deserves. Politely decline and review the offer with your attorney first.
Let Your Lawyer Communicate for You
An experienced attorney from Lawfty can handle adjuster calls, prepare your statements, and push back against unfair tactics. They’ll make sure your rights are protected throughout negotiations.
Even straightforward claims can face obstacles. Common issues include:
Here’s how to overcome them:
When challenges arise, a lawyer’s involvement can make the difference between a denied claim and a fair settlement.
From filing to final settlement, a motor vehicle accident attorney can help at every stage:
At Lawfty, our attorneys are familiar with the complexities of insurance law and know how to handle insurers that delay or underpay. We also ensure all communication flows through your legal team — reducing your stress and protecting your case.
Follow these practical tips to ensure you don’t leave money on the table:
Navigating insurance claims after a motor vehicle crash is no easy task, but with the right knowledge and legal representation, you can maximize your claim. At Lawfty, we're here to guide you through this complex process, ensuring your rights are protected. Get in touch with us and direct any insurers to speak with your attorney. You're not alone in this.
1. What happens when a car accident claim exceeds insurance limits?
If your damages go beyond policy limits, the at-fault driver can be held personally responsible for the difference. A Lawfty accident lawyer can help you explore legal options to recover full compensation.
2. How long do you have to file a car insurance claim?
Timelines vary by state and policy, but you should file as soon as possible — ideally within a few days. Some states enforce strict deadlines for claims and lawsuits.
3. How long does it take for an insurance claim to be investigated?
Simple cases may resolve within weeks, but complex claims can take months. Working with a motor vehicle accident attorney can speed up the process and keep insurers accountable.
If the insurance process feels overwhelming, you don’t have to handle it alone. Lawfty’s experienced accident attorneys can manage every step, from filing paperwork to negotiating settlements.
Contact us today for a free consultation and let us help you secure the compensation you deserve after a motor vehicle crash.
Disclaimer: The information provided in this blog is intended for general informational purposes only. It does not constitute legal advice and should not be considered as such. Readers are strongly encouraged to seek professional legal advice tailored to their specific situation. Always consult with a qualified personal injury attorney to address your concerns relating to motor vehicle accident claims.
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