How to Effectively File an Auto Accident Insurance Claim

Did you know that according to studies, it is highly likely that every American will be involved in a car accident at least once in his lifetime?
That is right; that is how frequent vehicle accident is in the country.
Even if your take all the care in the world, you cannot control the actions of other drivers and believe me, there are a lot of dangerous drivers out there.
So it would be worth to know the proper steps that you must take to make an auto accident insurance claim against the liable party.
To help you, here are the steps in making an auto accident claim in California:
1. Draft a demand letter
Prepare or draft a demand letter that formally asks for compensation for the damages you sustained due to the car accident.
This will be addressed to the liable party but in reality it will be his or her insurance company that will be handling the claim.
The three important elements of the letter are:
• The history of the car accident
• The resolution or amount that you are demanding
• And a warning that you are ready to go to court if demands are not met

2. Dealing with the Insurance Adjuster
An insurance adjuster will then be sent by the liable party’s insurance company to investigate the claim.
An insurance adjuster usually performs the following actions:
• Interview and take statements from the claimant (you) and other witnesses to the car accident
• Review and analyze the coverage of the liable party’s insurance policy
• Examine your medical records
• Examine property damages
• Examine auto accident photographs and other evidences
• Examine police reports
Make no mistake, insurance adjusters are there to find holes in your claim to have proper cause to deny or underpay you.
So make sure that you are careful about what you say around them.
3. Filing a lawsuit
If the liable party and his insurance companies refuse to pay the damages the auto accident caused or if a settlement has not been reached, then you can file a lawsuit against them.
Although the liable party is named defendant, it will also be the insurance company who will be handling the defense.
The burden of proof will also fall on you as the plaintiff.
Get a Lawyer
To make sure that you get the most out of your auto accident insurance claim, hire the services of an expert Los Angeles car accident lawyer.
An expert car accident attorney can help you:
• Determine the value of your claim
• Guide you in statements you give adjusters
• Help you in negotiating for a fair settlement with the adjuster
• Represent you in court if negotiations fall apart.
Consult an expert Los Angeles car accident lawyer for more information.