What Happens When An Insurance Claim Is Made Against You

Can You File A Claim With Two Insurance Companies

There is no law against having two insurance policies that cover a single vehicle or home. However, most policies have an “other insurance clause,” which states that each policy will only pay for a portion of the damage. Insurance is meant to make you whole after a loss, and this clause ensures that you don’t benefit financially from an insurance transaction.

The Steps You Can Take To Protect Against False Accident Claims

Obviously, not every car accident is a scam. Most accidents are just thataccidents. But you should still be on alert for potential scams or exaggerated injury claims. Protecting yourself and your legal interests starts immediately following the accident itself.

Of course, if you or anyone at the scene requires immediate medical attention, that always takes priority. Even if nobody appears injured, however, you should still call 911 and ask the police to respond to the scene. Never allow the other driver to talk you out of calling law enforcement. Indeed, if someone is loudly protesting your decision to call 911, that may be your first sign that something is fishy.

Now, the police may not respond to every accident call, especially if they are overwhelmed with other matters. At the very least, you will have a record of the 911 call. When an officer does respond, they will prepare an official accident report. This will provide the first written record of the accident and the parties at the scene.

The officer may be in a position to ascertain fault for the accident. You should not take this as Gospel. While an accident report may be official, it is not legally binding. Unless the officer happened to witness the accident personally, the report simply offers a preliminary opinion based on the limited available information. So even if the officer believes you might have been at fault, that is far from the last word on the matter.

Will My Car Insurance Be Affected If Someone Claims Against Me

Whether or not you were at fault, many insurers data shows drivers who were involved in an accident are statistically more likely to be in an accident again within the next few years. This means you could see a rise in your premium at renewal the rise could be higher if you were to blame for an accident.

Dont be tempted to keep the incident to yourself you are obliged to tell your insurer if youre involved in any incident. If your insurance company finds out about the accident they can cancel your policy or refuse to pay out on a future claim.

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Your Policy May Be Canceled

If you lie to your insurance company about the cause, injuries, and other details of your car wreck, you risk losing your policy completely. Insurance companies do not want to work with individuals who lie and try to take their money.

Alternatively, they may move you to a high-risk insurance category, which can make it harder for you to get coverage. This categorization is , so switching providers will most likely not solve your problems.

Contact A Duluth Car Accident Attorney Today

If you are not sure what to say to the insurance company, you are not alone. Calling and reporting a wreck to the party that will only compensate you under the right circumstances can be nerve-wracking. As such, we recommend that you consult an experienced car accident attorney before you speak to your insurance company to make sure you do not say the wrong thing.

In addition, you often have a better chance of getting the full compensation you deserve if you work with an Atlanta car accident lawyer. This is because insurance companies will not hesitate to pressure victims into taking a low settlement, using language such as, This is our best offer take it or leave it. Personal injury attorneys know these tactics and will not back down until they get the settlement or verdict you are owed.

If you have been injured in a wreck due to someone elses actions or negligence, we are here to help. The attorneys at Scholle Law have the skills and experience to take on the insurance company on your behalf. Your initial consultation is always free, and there is no fee until we win. Call us at 592-1296 or contact us online today to speak with a Duluth car accident lawyer.

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What If A Car Insurance Claim Is Made Against Me

If the other driver decides to make a claim against your insurance and the accident was your fault, the process should be straightforward, providing you agree you were to blame.

Once you have informed your insurer, they will take over handling the claims process and you will not need to do anything else. You will not have to pay an excess ifa third party is claiming against you.

If you dont agree that the accident was your fault, your insurer will investigate the evidence further to determine who was to blame. The claim will either then be settled in full by either driver or on a split liability percentage between both parties.

Types Of Insurance Claims

What are the three types of insurance claims? Lets have a look at them:

What Does an Insurance Claim Do?

An insurance claim is a formal request by a policholder to an insurance company for compensation for a policy event.

Some claimants may not always have honest intentions, and its worth being wary of fraudulent car insurance claims. In other cases, a claimant may work with their insurer to pin the blame on the other party using bad faith tactics.

What Is a Bad Faith Insurance Claim?

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What Is The Difference Between General Liability And Professional Liability

The main difference between general liability and professional liability is in the types of risks they each cover. General liability covers physical risks, such as bodily injuries and property damage.Professional liability covers more abstract risks, such as errors and omissions in the services your business provides.

What Happens When An Insurance Claim Is Made Against You And Avoid This Big Mistake

This is the 11th of an ongoing series of short to-the-point, quick-action videos to help you deal with and recover from your accident as soon as possible.

Last time we talked about times when you should get an attorney and now well go over what happens when an insurance claim is made against you

In a moment Ill reveal a big mistake people make when a claim is filed against them and how you can avoid it. So go through this entire video so you dont miss that.

Okay so the first question on what will happen will depend on if you were at fault and how much at fault. But the assumption in this is if you are being sued you were at some amount of fault.

But the bigger and more important question is did you have insurance at the time of the accident, and did you have enough insurance to cover the claim amount.

The easiest and best case scenario is if you had insurance, whether you were at fault or not, you would contact your insurance company. One of the things you pay your premiums for is for them to protect you in the event of a claim against you.

They will pick up the case and handle it up to your coverage amounts. If the claims are higher than those then you would also have to handle some of the case. So you would likely want to get an accident attorney to help.

You didnt make that mistake, did you? Let me know in the comments below.

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What To Expect If Youve Been Injured

In Ontario, Statutory Accident Benefits Coverages are provided by law under every auto insurance policy. These benefits provide compensation, regardless of fault, if you, your passengers, or pedestrians are injured, or die as the result of your accident.

If you are injured in an auto accident, you may be entitled to the following benefits:

• Income replacement: replaces job income you cannot earn while recovering
• Caregiver: provides compensation if you are required to leave work to care for an injured member of your household
• Non-earner: provides compensation if you are completely unable to carry on a normal life, and do not qualify for an income replacement or caregiver benefit
• Medical: pays for medical expenses incurred through your injury
• Rehabilitation: pays costs incurred during rehabilitation
• Attendant Care: pays some of the costs of an aide or attendant
• Compensation for Other Expenses: may pay for the cost of family visits during treatment or recovery, some housekeeping and home maintenance, the repair or replacement of some items lost or damaged in the accident, or lost educational expenses.

What Happens When Someone Claims Against My Car Insurance

It’s one thing to make a claim against your own car insurance policy, but what’s the process if another driver decides to make a claim against you – and your insurance policy?

Its helpful to understand what happens when an insurance claim is made against you, so weve outlined the key details you should be aware of.

Before considering questions of insurance, it’s critical that everyone at the scene of an incident is safe. If need be, call the police and/or ambulance.

Next, you should exchange contact and car registration details with the driver of the other involved vehicle.

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What Happens When An Insurance Claim Is Made Against You

Under most circumstances, your insurance provider will let you know when an insurance claim is being made against you. However, if the person making the claim contacts you directly, itâs your responsibility to let your insurance provider know.

How Much Will I Have To Pay

If the injured party has lifelong injuries or will require ongoing medical treatment, the amount of compensation will likely go up by a lot compared to minor injury cases. This is because the injured party will have to deal with the pain and suffering from these injuries for an extended period of time, if they are able to get over the injuries at all. These types of injuries also typically come with regular medical and physical therapy expenses to deal with. Brain injuries, neck injuries and spinal cord injuries are very commonly associated with large injury settlement amounts due to the fact that the person may have to live with these injuries for the rest of their life.

All of these things can make a massive difference in the cost of the structured settlement or lump sum payment, so make sure you always have adequate insurance to cover most of these costs and always act within the laws so you arent exposing yourself to the risk of being financially burdened by a personal injury settlement for years to come.

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What Should I Tell My Insurer When Making A Claim

If the accident involved another car youll need to provide your insurer with the details. Here are the eight most important pieces of information your insurer will want to know:

• The vehicle registration number of the other car

• Name and address of the other driver

• Phone number of the other driver

• Car insurance details of the other driver

• Names and addresses of other passengers in both cars or other involved/injured people

• Names and contact details of any witnesses

• A police reference number if the police were called

• The time and date of the accident, the weather conditions at the time, and how the accident happened. If you took photos, then these will also come in hand

Having all of these details ready to give your insurer can reduce the risk of your car insurance claim being delayed.

Be aware that if you have a minor accident that’s below the cost of your excess, the insurance company will expect you to resolve it yourself.

How Do I Know Someone Filed A Claim Against My Insurance

This is one of the most common questions arising from an accident, especially for those people encountering this situation for the first time.

If you were involved in an auto accident and exchanged insurance details with the other driver, then your insurance company would notify you of a claim filed against you. As would have been expected in this situation, the third party would make the necessary notification to the insurance company, usually through their attorney.

If, on the other hand, the third party does not have your insurance details, they would still be able to make a claim against your insurance by retrieving your identification and insurance information from the state division of motor vehicle registration. Thus, in such a case, you will similarly be made aware by your insurance company that a claim has been made by a third party.

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What Happens If I File An Insurance Claim

If an individual files an insurance claim, the insurance company will review the claim to determine if it is valid. If the claim is valid, the insurance company will pay for the damages. If the claim is not valid, the insurance company may deny the claim or seek to recover the funds from the individual who filed the claim.

How Do Insurance Companies Validate An Insurance Claim

Insurance companies usually validate an insurance claim through an insurance adjuster. An insurance adjuster also referred to as a claims adjuster, is the companys agent whose duties include evaluating and processing claims filed with the company.

Insurance adjusters usually do the following in evaluating a claim:

• Review your insurance policy to make sure that the loss is covered
• Inspect the damage or injury
• Study photos of the incident, police report, and other documentary evidence
• Interview you and other parties involved in the incident and
• Contact other relevant parties, such as doctors, lawyers, and law enforcement officers.

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How Long Does A Car Insurance Claim Stay On Your Insurance Record

When taking out car insurance, you will usually be asked to disclose details of any accidents youve been involved in over the past five years. This includes those where you were not at fault.

If you are not honest about your claims history, your policy may be invalidated and any future claims would be rejected.

What Do I Do If Someone Is Trying To Put In A Claim Against Me

If someone is putting in a claim against you or has told you that they might be doing so, you need to contact our Claims Team immediately on 290 1999.

Once the claims process has started your claims handler will look after your case and will contact you with any updates.

Remember, if someone is claiming from your policy, their insurance company or solicitor may send correspondence to you directly. You do not need to do anything except forward this to your claims handler.

There are some important things to remember if someone is claiming from your insurance policy. To make things easier for you, we have compiled a list of Dos & Donts:

• Report the accident to the Gardaí
• Take photographs of any damage caused to both cars and their location on the road
• Gather as much information as possible such as:
• Registration numbers
• The attending Gardas information
• Contact information for the other driver and any witnesses
• Insurance details for anyone involved

DONT

• Admit liability or agree that you were at fault
• Move your vehicle unless it is safe and legal to do so
• Leave the scene until the Garda have arrived if there is personal injury involved
• Organise repairs for your own vehicle until you contact our Claims Team

• Gather as much information as you can including contact information for the other person and for any witnesses also
• Take photographs of any damage caused and the surrounding area

DONT

• Admit liability or agree that you were at fault

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How Will I Know If A Car Insurance Claim Is Made Against Me

A claim against you is to be expected if an accident was your fault. Youll more than likely have exchanged insurance details at the scene and youll have informed your insurance provider.

Even if the other driver tries to make a claim on your insurance when you werent at fault, youll still almost certainly know about it. Your insurance provider will almost always contact you for further information about the accident. And insurance providers for both parties will investigate who was at fault before making a decision on a pay-out.