The stress of the collision, your injuries, and the damage to your vehicle are already a lot to deal with if you are involved in a car accident. The procedure for filing an insurance claim, however, can be as perplexing and difficult. It can be difficult to know what to do or expect because the majority of people don’t file auto insurance claims on a regular basis. You can take help of an insurance lawyer to do everything on your behalf for getting the compensation. Feel free to schedule a consultation with the lawyer before proceeding.
What happens after an insurance company hears about a car accident may be something you’re curious about.
For example, Cheap car insurance carriers take into account numerous variables when determining risk and the cost of coverage. They’ll also look at your location, age, gender, marital status, driving record, claims history, credit score, and vehicle information.
You may help guarantee that you receive fair treatment and that your rights are upheld by hiring a skilled Atlanta auto accident attorney. It’s simple for whatever you said or did following the accident to be misconstrued or used against you.
Here’s a peek at what goes on behind the scenes when you submit an insurance claim for an automobile accident.
Upon receipt of a claim, a claims adjuster will be assigned to it
The insurance provider names a claims adjuster to the case when a personal injury claim is made. The adjuster is responsible for things like:
- Looking into the incident
- Visiting the scene
- examination of medical records
- engaging witnesses
- assessing auto damage
- investigating the status of each driver’s insurance
To decide the most important factor in an automobile accident in Georgia: fault, all of these are assessed.
Identifying Liability in the Atlanta Automobile Accident
People who were hurt in the crash receive medical attention and have their vehicles fixed while insurance adjusters assess the accident. Either insurance company does not immediately cover these costs. In order to identify who was responsible, the insurers must first conduct their investigation in secret.
After determining who is responsible, the insurance firms will haggle over who is responsible for paying out claims’ expenses. Normally, this is not an easy task. The Official Code of Annotated (OCGA) Title 51 describes state law regarding carelessness and responsibility. However, it does not specify how a fault in motor accidents shall be determined. In the end, the insurance companies will decide.
Disputes Regarding Insurance Company Payments
One insurer may submit a payment demand to the other once both drivers’ insurance companies have completed their investigations into the claim. The second insurer can then reject the demand. Then, both carriers will cooperate to determine who is responsible for paying claims and how much. Payment issues between insurers may, at times, be resolved by an arbitration panel.