Dealing with Insurance after a Motor Vehicle Accident

Time is of the essence anytime someone is seriously injured in an auto collision. All of the facts of the incidence—photo of the injuries and property damage, witness statements, and additional evidence that can supplement a personal injury claim are all critical. Why is that, you may be asking? There are several components in a claim. Our Birmingham car accident lawyers can review every aspect of injury claims—what is important and where you as the victim should shift your focus.

The Statute of Limitations

In Alabama, the statute of limittions allows personal injury victims two years from the date of the accident to file a claim. The only way to preserve your right to file this claim, if a settlement agreement cannot be reached is to file a lawsuit. However, note that most insurance companies strive to settle the case long before a lawsuit can be filed. They are interested in taking care of their assets, limit liability, and avoid litigation at all possible costs.

Two years may be considered by most a sufficient amount of time, but before you can file a claim, you must reach “Maximum Medical Improvement” (MMI). The individual must be considered fully healed from all of the injuries related to the accident. By taking a settlement too early on, that individual loses out on the right to seek recovery again in the future.

Who Is At Fault?

It may be clear-cut in your account who was at fault, but remember, you will more than likely dealing with the other driver’s insurance company. They have claims adjusters, whose primary objective is to deny or object allegations of fault, and try to displace blame onto the other parties.

Insurance companies are not invested in a claimant’s best interests and are therefore not likely to pay out a fair compensation. That is why it is so important to have an ally who is in line with your best interests, namely a Birmingham personal injury lawyer. An attorney can help you calculate the total of all of your expenses and fight against insurance companies to obtain the maximum possible recovery.

If you have any further questions about personal injury laws and how you can obtain rightful compensation, contact Fisher & Associates, LLC Attorneys At Law. We have recovered over $170 million for our clients through the years, and we are also highly experienced trial lawyers.

Schedule your free appointment with us here or by calling (866) 262-2232.