Overview of the Auto Insurance Claim Process
2 years ago by Brian
If you are injured in a car accident, you will need to follow the process of filing an insurance claim with the liable party or parties. You should not wait to contact a Woodbury, MN personal injury attorney for assistance.
When it comes to car accidents, the State of Minnesota is a no-fault state. Therefore, if you suffer injuries in a motor vehicle accident, you must first turn to your own insurance company and file a claim against them. Drivers in Minnesota are required to carry at least $20,000 of medical coverage – along with $20,000 of non-medical no-fault coverage through their insurer.
As part of a no-fault claim, you might be able to get compensated for some of your medical treatment and lost earnings. However, what if you suffer serious injuries in your accident and $20,000 worth of coverage is not enough?
When that happens, you may be able to assert a claim against the at-fault driver’s motor vehicle insurance company for monetary compensation and damages. Filing a claim or lawsuit against another driver’s insurance company is sometimes complicated, and you can be sure that the insurance company is not going to do you any favors.
The experienced Woodbury, MN personal injury lawyers at JS Defense, PA., can help you handle every part of your personal injury claim, from the beginning of the claim to the very end. Please call us today to learn if you may be eligible to file a personal injury claim seeking monetary compensation and damages.
When Can I Make a Claim Against the At-Fault Driver’s Motor Vehicle Insurance Company?
After a car accident, you may be eligible to bring a claim against the at-fault driver’s motor vehicle insurer under several circumstances. Those circumstances include the following:
- You have incurred in excess of $4,000 in related medical expenses
- You have suffered a permanent injury in the motor vehicle collision
- You have sustained some type of disfigurement or scarring in the collision
- You have incurred at least 60 days of disability
How Does the Process Work?
When a lawyer files a claim with the insurance company, he or she will likely try and first resolve the case by way of a settlement. The lawyer will put the insurance company on notice of the claim and may submit a settlement demand package which includes a monetary demand for settlement, medical records, medical bills, lost wage documentation, photographs of property damage and injuries, victim impact statement, and investigation reports (including a copy of the police report, if one was prepared). The lawyer will then work to negotiate a favorable settlement in the case.
If the insurance company refuses to offer full and fair compensation, the attorney could file a lawsuit against the at-fault party and litigate the case in the court system. Even after filing suit, the case could still settle at any time.
Contact a Knowledgeable Woodbury, MN Personal Injury Lawyer Today
The skilled team of attorneys at JS Defense, PA., can help you file – and if necessary, litigate – a personal injury claim. For a free case evaluation and legal consultation with an experienced Woodbury, MN personal injury attorney, please call us today at (651) 968-9652 or contact us online for more information about how we can help.