Tag: car accident claims

How Insurance Adjusters Investigate Car Accidents

How Insurance Adjusters Investigate Car Accidents

The at-fault party’s insurance company will assign an insurance adjuster to your case shortly after learning about the accident. The insurance adjuster will immediately begin to conduct an investigation to determine how the accident occurred and who is responsible for your injuries. Here’s how insurance adjusters investigate car accidents:

Talk to Both Parties

First, the insurance adjuster will attempt to make contact with both parties involved in the accident. The goal of making contact with each party is to hear each driver’s side of the story and learn more about how the accident occurred.

Personal injury attorneys typically recommend that clients do not speak to insurance adjusters without an attorney present. Be sure to speak to an attorney before agreeing to answer an insurance adjuster’s questions.

Review the Police Report

Next, the insurance adjuster may obtain a copy of the official police report of the accident. The police officer that responds to the scene of the accident asks each party questions about the crash and then summarizes these statements in a police report. The insurance adjuster will review the police report to look for inconsistences in either party’s story.

The insurance adjuster will also read through the police report to see if the responding officer came to a conclusion as to who was at fault for the accident. If the police officer concluded that the insurance company’s policyholder was to blame for the accident, the insurance adjuster may decide to make an offer to the victim for his injuries.

Analyze Evidence From the Scene

The insurance adjuster can also determine liability by analyzing evidence from the scene of the accident. Looking at photos of the property damage and interviewing witnesses who saw the accident can help them learn more about the events leading up to the accident. This evidence may be used to prove which party is liable.

Check Medical Records

If the insurance adjuster believes his policyholder is to blame, he will ask the victim to submit his medical records so he can verify the victim’s injuries. Insurance adjusters will look for ways to poke holes in the victim’s case. For example, if the victim waited two days to see a doctor after the accident, the insurance adjuster may question if the injuries were actually sustained in the crashed. If the insurance adjuster is able to verify the injuries, the process of negotiating a settlement with the victim will begin.

If you have been injured in a car accident, seek legal representation from the personal injury attorneys at Reisch Law Firm. The insurance adjuster’s goal is to resolve your case for as little as possible, but we won’t allow this to happen. Schedule a free consultation today by calling 303-291-0555 or filling out this online form.

How An Attorney Can Help With Denied Car Insurance Claims

How An Attorney Can Help With Denied Car Insurance Claims

After a car accident, anyone who is injured has the right to file a claim with the at-fault driver’s insurance company in order to recover compensation. The insurance company must compensate the victim for any expenses he has incurred or losses he has suffered as a result of the injuries caused by the company’s policyholder. But unfortunately, some insurance companies choose to reject the claim instead. If you are being denied compensation, it’s important to work with a personal injury attorney. Here’s how an attorney can help with denied car insurance claims:

Demand Answers

The insurance company must tell the claimant why the claim is being denied. But, some insurance companies don’t provide this information when informing the claimant of the denial. If this happens to you, an attorney can step in and demand answers from the insurance adjuster.

Gather Additional Evidence

Sometimes, a claim is denied is because the insurance company does not believe their policyholder is liable for the accident. Claims can also be denied if the insurance company does not believe the victim is injured or does not think the injuries were sustained in the accident. If your claim was denied for one of these reasons, a personal injury attorney can gather additional evidence that proves the insurance company wrong.

For example, let’s say the insurance company believes you were at fault for the accident. An attorney can interview witnesses, examine photos from the scene of the accident, and work with an accident reconstruction expert to obtain evidence that proves the other driver was to blame. This evidence may be enough to convince the insurance adjuster to reverse his decision on the claim.

Threaten Litigation

It’s possible that the insurance adjuster is denying the claim despite the fact that he knows it is valid simply because he thinks he can get away with it. Even if you threaten to take legal action, the insurance company will probably not take this threat seriously unless it is coming directly from an attorney. Your personal injury attorney will make it clear to the insurance adjuster that he will not get away with denying a legitimate claim. Insurance adjusters know that personal injury attorneys mean business, so a threat is often enough to convince them to either provide answers or reopen the claim.

Has your car accident claim been denied? If so, contact Reisch Law Firm right away. Let our personal injury attorneys communicate with the at-fault party’s insurance company on your behalf. With our help, car accident victims can recover the compensation they deserve. Schedule a free consultation today by calling 303-291-0555 or filling out this online form.