Car accidents can be life-altering events, and dealing with insurance companies afterward can often add to the stress. This post aims to unmask some common tactics used by insurance companies to avoid paying what you deserve and equip you with the knowledge to win your car accident case in Alabama.
Quick Settlement Offers
Insurance companies may offer a quick settlement to close the case. While it may be tempting, these initial offers are typically lower than what you might be entitled to.
Denial of Claim
Sometimes, insurance companies may deny your claim outright based on reasons such as late reporting or policy exclusions. It’s crucial to understand your policy and the timeframe within which you need to report the accident.
Insurance companies may try to shift the blame to you. Remember, Alabama follows the “contributory negligence” rule, meaning if you’re even 1% at fault, you could lose your right to compensation.
Insurance companies may employ delay tactics, hoping that you’ll get frustrated and accept a lower settlement. Patience and persistence are key here.
Understanding Laws in Alabama
In Alabama, the person responsible for causing the accident (at-fault) is liable for compensating the injured party. However, the state also applies the “contributory negligence” rule, which could bar you from recovering damages if you’re found even slightly at fault.
Pursuing Your Claim: Step-by-Step Guide
- Report the Accident: Notify your insurance company about the accident as soon as possible.
- Document Everything: Gather all evidence like photographs of the scene, witness information, and medical records.
- Seek Legal Advice: An experienced Birmingham car wreck attorney can help you navigate the legal landscape and fight for your rights.
- File a Claim: Submit your claim to either your insurance company or the at-fault party’s insurer.
- Negotiate: Don’t accept the first offer. Negotiation is a critical part of the process.
- Tips to Strengthen Your Case
- Never admit fault at the scene.
- Seek immediate medical attention, even for minor injuries.
- Keep a record of all expenses related to the accident.
- Consult with a Alabaster personal injury attorney before speaking with an insurance adjuster.
Understanding insurance tactics and the laws in Alabama can significantly impact your car accident case’s outcome. While this process may seem daunting, knowing your rights, documenting everything, seeking legal advice from a local injury attorney, and patiently negotiating can lead you to the compensation you deserve. Remember, every case is unique, so consider seeking professional legal advice to handle your specific situation effectively.
Attorney Steven A. Harris regularly blogs in the areas of family law, bankruptcy, and real estate closings on this website. He is always available in any of the firm’s offices or by phone anytime for a consultation. Mr. Harris tries to provide informative information to the public in easily digestible formats. Hopefully you enjoyed this article and feel free to supply any feedback. We appreciate our readers and love to hear from you!