While auto insurance policies provide accident victims with some relief after a car crash, many sustain physical, emotional, and financial damages that go beyond their Accident Benefits coverage.
If your injuries are preventing you from returning to work, you should consider meeting with a car accident lawyer in Whitby as soon as possible. An experienced injury lawyer will have the knowledge, experience, and resources you require to obtain a full settlement for your damages and other losses. They can help you understand your options and get you on the road to financial recovery.
Our car accident lawyers can meet with you in Whitby for a free initial consultation. Call 1-877-573-3563
Steps Following an Accident
Immediately after someone’s accident, the insurance company begins watching their claim to make sure they are truthful about their injuries.
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Retaining a Lawyer
Often, accident victims are unaware that after being involved in a car accident, they have the right to seek compensation and secure legal representation. An experienced lawyer is someone’s best advocate when they are facing mounting medical bills and the inability to return to work and earn income. A car accident lawyer in Whitby can explore all of their client’s options for compensation and see to it that they receive the maximum compensation allowed under the law.
Reviewing Insurance Forms
Once someone alerts the insurance company of their accident, they will contact them to obtain information about the event and their injuries. Someone will want to hold off on giving a statement until they have met with a Whitby car accident lawyer. Insurance companies may also ask someone to complete a series of forms, one of which could be a medical records release form. When signed, it authorizes their medical providers to grant the insurance company full access to their entire medical history.
Armed with this information, the insurance adjuster can attempt to associate their injuries with any pre-existing conditions on record, and not the accident. When someone hires a lawyer to file their claim, the lawyer manages most the communications with the insurance company. Thus, giving them only what they require to make a fair decision on their client’s claim.
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Though someone may be experiencing financial hardship, it is never wise to accept a quick settlement offer from the insurance company. It is highly likely that any settlement offers someone receives before their medical treatment is complete, will be incomplete. Meaning, no one will know the full extent of their damages until their doctor informs them of their long-term medical needs and ability to return to work. Legal representatives can help their clients understand all of the variables that go into estimating the value of their claim, so they do not hurt their chances of receiving maximum compensation.
One of the first tasks they tackle when handling a car accident claim is to identify the parties involved in the wreck. If another driver was responsible for causing their accident, lawyers will gather the following evidence to file a third-party claim:
- Police reports
- Eyewitness statements
- Damaged vehicles
- Photographs or video of the accident scene
- Medical records
If the cause of their accident is unclear, their lawyer can employ experts in accident reconstruction to determine which driver was mostly at fault for the crash. Once they justify their client’s reason for filing a third-party liability claim, they work to ensure they can recuperate any damages not covered by their client’s Accident Benefits.
Third Party Liability Claims
By law, motorists in Whitby must carry a minimum of $200,000 in third-party liability coverage. As long as the other driver has insurance, someone is entitled to all applicable damages up to their policy limits.
When estimating the value of a claim, lawyers seek answers to the following questions:
- Are their client’s injuries temporarily or permanently disabling, catastrophic, or fatal?
- What is the cost of their future medical needs?
- Will they be able to return to their current job?
- If not, will they be able to perform any job in the area that matches their skill set?
- Are there intangible damages such as pain and suffering and loss of consortium they need to consider?
It is not uncommon for Whitby lawyers to work with medical and vocational experts when seeking answers to these questions. These experts evaluate the evidence lawyers gather on their client’s behalf to prove their claim and offer their testimony about the impact their injuries will have on their quality of life and ability to earn a living.
Someone who has suffered injuries in a car accident might be entitled to compensation and should speak with a car accident lawyer in Whitby as soon as possible to make these determinations.