How do car accident insurance claims work?



Consumers pay automobile insurers premiums so that the insurance company will pay out in the event that there is a car wreck. The insurance company will step into the shoes of the parties to a wreck and either defend or pay out based on fault and damages. But how do claims actually work after an accident?

From a general standpoint, after you’ve been injured in a car accident there will be two separate insurance claims to worry about. The first type of claim will be a ‘property damage’ claim. Once you notify your insurance carrier that you’ve been in a wreck, then they will work on your behalf to get your car fixed. Generally, your insurance company will handle this with the at-fault driver’s insurance company. Property damage claims are easy to work out because your own insurance company will help you with having the car fixed or paying out if totaled.

The second type of claim that you’re going to have after being injured in a car wreck will be a ‘bodily injury’ claim. This type of claim will be made against the at-fault drivers insurance company. The goal of a bodily injury claim is to seek compensation from the at-fault driver’s insurance for any damages that you have suffered. Damages include money for medical bills, prescription medicines, lost wages, and pain and suffering.

Bodily injury claims are different than property damage claims because, in almost all instances, you will not have the help of your own automobile insurance company. Your own insurance company does not have to ‘step into your shoes’ for this. Because you will not get the help of your own insurance company for your bodily injury claim, it will be important for you to reach out to an experienced personal injury attorney.

If you or a loved one have been injured in a car wreck, and you do not know whether you should make a claim with your insurance company, then please, feel free to call and speak to our experienced Atlanta car accident lawyers today. Our consultations are always free.