Who Can File an Insurance Claim After a Car Accident?

Financial problems are common following an injury. Over 6 million car accidents occurred in the United States in 2021, resulting in over 2.4 million injuries and numerous insurance claims. It is critical to identify the responsible party in an automobile accident with the help of a Boston personal injury lawyer in order to expedite the claims procedure and ensure compensation from the right insurance policy.

The process of filing a claim:

Following an automobile collision, it is critical to obtain insurance information from all individuals involved and not to presume that the other driver has reported the occurrence. Contact the insurance company of the at-fault motorist to present the facts, but also notify your own insurer. 

The procedure differs in no-fault and at-fault states, where expenses may be covered by either your insurance or the at-fault driver’s insurance. A lawyer can help explain liability and evaluate whether an action against the other driver is necessary in complex instances.

Filing a legal help:

Seeking legal counsel is extremely advantageous when dealing with challenging vehicle insurance adjusters or problems with at-fault driver’s insurance. After a car accident, consulting with an attorney, who normally does not charge any upfront fees, can assist you through the intricacies of insurance claims and legal matters. 

An attorney can help you secure coverage for medical bills, lost income, and pain and suffering, as well as answer legal questions about liability and litigation in no-fault states or passenger liability.

Who is liable?

If a car owner negligently allows someone to drive their vehicle and that driver causes an accident that results in injury, the owner may be held personally accountable for negligent entrustment. 

For example, if a car owner allows an obviously inebriated individual to drive their car and that drunk driver causes an accident that injures someone, both the car owner and the drunk driver can be held accountable. It’s vital to note that if the driver did not have permission to use the owner’s vehicle, the owner’s insurance will not cover them, and the at-fault driver’s insurance will take precedence. 

The owner, on the other hand, is not liable for accidents caused by theft or unauthorized usage of their car.

Final thoughts:

Following an automobile accident, the duty to make an insurance claim is determined by the state and individual insurance plans. An expert auto accident attorney can help you through these complications and ensure you receive fair compensation for your injuries and damages.

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