Can speaking with an accident lawyer help you make your insurance claim?

Consideration was given for the editing and publication of this post.

After a car accident in Maryland, the first instinct after receiving medical care is to find out if the insurance provider will compensate your medical expenses and other losses. However, millions of accidents happen in Maryland each year, and hundreds of thousands of them occur in Baltimore. Thus, it is the responsibility of the car owner to gather the proof that will show who is liable for the accident. It is the only way to obtain a settlement from the insurance provider.

What are the details about insurance claims you should know?

Insurance companies are likely to pay the claims for people they cover. For example – if you are at fault during a car accident, you can seek compensation for the repair work on your vehicle from your provider. If the other party was at fault, then you should claim damages from their auto liability insurance. All car accident lawyers in Baltimore will encourage you to exchange information with the parties involved in the crash for the ease of contacting the driver’s insurance company. Visit  to learn more about negotiating with insurance companies.

First party insurance claim vs. third-party insurance claim

  • When you file the claim with your insurer for the damages that cover the cost of your car’s repair work, it is a first party claim.
  • When you file the claim under an insurance policy the other liable party holds, it is a third party insurance claim.

Your accident lawyer will always ask you to contact your insurance company soon after the accident. If you are not liable for the accident, you need to gather all the information that can defend you. Not being responsible for an accident does not guarantee protection from lawsuits.

Should you file a first party claim or a third-party claim?

A first party claim is the one you file with your insurance provider, and a third-party claim is the one you register with the provider of the other person. Several factors determine which type of claim you should file.

Whose fault was it?

Was the accident your fault? Are you responsible for your injuries and the damage to your car? In that case, you should file a first party claim. If you have hit the other vehicle, you should immediately speak with your lawyer and insurance provider about first-party claims.

Do you think your injuries are the result of the other party’s actions? Is the driver of the other car solely responsible for the damage to your car and your injuries? For example – did you park in a parking zone when the other car hit you from behind? In similar cases, you should file a third-party claim with the insurance provider of the other person involved in the accident.

Does the other driver have adequate liability insurance coverage?

In many situations, you might have to open a first-party claim with your insurance provider and a third-party claim with the provider of the other driver. It is common in scenarios, where it is unclear whose negligence or actions caused the accident. You might have to do so even when the other driver does not have adequate liability insurance coverage.

Why shouldn’t you proceed without an accident lawyer?

Several insurance companies allow their policyholders to begin the claim procedure online. You can file the information you have, and soon an insurance claims adjuster will contact you with an offer. However, always be sure that the adjuster works for a pro-profit company, and any offer he or she makes will be considerably lower than what you deserve. It is smart to reject the first offer and speak with an expert on accident injury and claims, like an accident lawyer before making a second claim.

How can your accident lawyer help you in the insurance claims process?

No matter of the type of accident, you need to report the incident to your insurance provider or the provider of the other party involved. Several insurance providers in Maryland require the involved parties to report within 24-hours of the crash. Providing accurate information regarding the scene of the accident, including the sequence of actions that led up to the collision is critical for increasing your chances of getting the desired compensation.

After filing the initial report, the insurance provider will give you a claim number and assign a claims adjuster to your case. Working with a trained car accident lawyer will help you draft a strong case complete with pertinent evidence, relevant information, and snapshots of the crash site. All experienced individuals recommend recording statements with the claims adjuster in the presence of a lawyer only! Confusing accounts, painting an unclear picture about the liability and forgetting important facts can result in a small amount for the settlement.

It is understandable that the claims adjuster works for the insurance company and it is in their best interest to either deter the process or compel you to settle for less. Sometimes, they even use the claimants’ statements against them to lower their compensatory amounts. Having an accident lawyer by your side, who have already dealt with professionals like the claims adjuster can help you get the best deal out of the situation. The lawyer can also help you draft the demand letter after the liability investigation.

While speaking with an insurance claims adjuster, you need to be extremely cautious. Here are a few things you must never do since they can influence the value of your claim –

  1. Accept blame for the accident, primarily if it wasn’t your fault.
  2. Trivialize your injuries or pain.
  3. Downplay the losses due to the accident.
  4. Agree to record a statement without consulting your lawyer.

Several accident cases also involve personal injury and losses. Some personal injuries call for extensive treatments that can last months. They might result in lifelong disabilities as well. It can disrupt a person’s profession, earnings, and lifestyle. Therefore, speaking with an experienced accident lawyer is essential to understand the implications of the damage the accident has caused. Never talk to an insurance claims adjuster without consulting your lawyer about the details of the matter.

January 28, 2019 · Tim Kevan · Comments Closed
Posted in: Uncategorized