You have the right to file a personal injury lawsuit against the other driver following a car accident, but they rarely pay for your losses directly. State law requires all motorists to carry minimum liability insurance that covers any losses they cause in a crash.
That does not mean it is easy to get a positive outcome in car accident insurance claims in Merrillville. In some cases, the insurance company might deny your claim even when the responsibility for your damages appears clear. A dedicated accident attorney from The Law Offices of David W. Holub could help you with the claims process.
Let Your Attorney Deal With the Insurer
When it comes to car accidents in Merrillville, you could benefit from letting your attorney handle the claim directly with the insurance company. This is about more than convenience. Speaking directly with an insurance adjuster is risky and could jeopardize your case.
Insurance adjusters often use aggressive tactics to pressure motorists into settling their claim for less than its true value. With our experienced team on your side, you do not have to worry about these tactics. We have a track record of dealing with insurance companies and helping injured drivers recover the compensation they deserve.
Damages Available Through an Insurance Claim
A Merrillville car crash insurance claim can cover both economic and non-economic damages. Economic damages are the measurable financial losses you suffer, such as medical bills and lost wages. Our attorneys could determine the exact value of these claims using evidence such as bills or receipts.
Non-economic damages compensate for losses that are harder to quantify, including pain and suffering and reduced quality of life. While insurance companies may focus on medical costs, you could pursue compensation for the full impact of the accident.
When Is the Right Time To Accept an Insurance Settlement?
After a vehicle collision in Merrillville, you may be eager to settle your insurance claim and move on. Unfortunately, accepting a settlement too early can be a mistake. Insurance companies do not unilaterally decide what your case is worth; they make an offer, but you must agree to it. Once you accept a settlement, it is final. You cannot return to the insurer later for more money, even if your injuries turn out to be worse than you thought.
This is why timing is critical. You should avoid settling until your condition has stabilized. Settling before this point risks leaving you with unpaid medical bills, as your condition could worsen or require additional care.
Ultimately, the decision to settle is yours, but it is wise to consult with experienced legal counsel before signing anything. Our firm could evaluate whether the offer reflects the full value of your claim and help ensure that your current and future needs are met.
Talk to Our Merrillville Attorneys About Your Auto Accident Coverage Claim
It can be difficult to know what steps to take following a vehicle collision, especially on your own. Although your insurance policy may cover your losses, obtaining compensation can be more difficult than it first appears.
You have the right to consult an attorney when dealing with car accident insurance claims in Merrillville. Call us today to learn how we could help.