A car accident comes under a personal injury lawsuit. A claim can be made by the injured party or by the relatives or friends of the injured party in relation to the damage caused by the other party in an accident. The claim is dealt with by the insurance companies of both parties to decide on proper compensation for all the damage caused.
Since almost all the drivers are insured, the insurance agent must determine the extent of damage caused and must be able to negotiate with the other party on behalf of the injured person. Both insurance companies can negotiate and decide on a correct monetary compensation that might be able to cover all the damage caused by the accident.
In the event that the other party does not accept the claim and contests the case, then the injured party might not receive the requisite amount to cover the property damage as well as the personal injuries caused by the accident. In such cases, a claim can be filed in a court. This results in the injured party filing a personal injury lawsuit to get proper compensation from the other party.
In order to file a personal injury claim, all the personal details of the involved party must be available along with the driving license details. The details pertaining to the make and model of the car has to be registered at the time of filing a claim. All the details can usually be obtained at the accident scene itself for initial negotiation between the two insurance companies. The medical details involved if the person is severely injured or hospitalized must be readily available while filing for a personal injury claim. It would be a good idea to use the police records while filing the case as they would register in detail all the injuries sustained by either or one of the parties involved in the accident. They also have photographs of the accident scene and can be valuable proof while filing a claim in the court.
Property damage and the loss of the injured party’s of wages must also be covered in the claim. Medical costs as well as the hospitalization costs are considered along with the others while filing a personal injury claim. Personal injury claims are no good if little or no injuries or property damage occur and out of court settlements between both insurance companies would be the best option in such cases.