What Is The Role Of Insurance In A Personal Injury Claim?

Every California personal injury claim is rooted in insurance. Being aware of why this is the case and why it’s important to work with a California personal injury lawyer will allow you to obtain the best possible personal injury settlement.

What Types Of Insurance Policies Cover Personal Injury Claims?

A variety of different insurance policies can and often do cover personal injury claims. Some of the most notable insurance policies that fall into this category are as follows:

• Automobile insurance.
• Medical malpractice insurance.
• Homeowners’ insurance.
• Product liability insurance.
• Commercial liability insurance.
• Business liability insurance.
• Property damage insurance.

Every single one of the insurance policies above serves as a form of liability insurance. The purpose of liability insurance is to ensure that, in the event that you happen to be liable for an accident that leads to someone getting injured, you can compensate the injured individual.

What Is The Role Of Insurance In A Personal Injury Claim?

Right after an individual receives an injury in an accident that pertains to one of the insurance policies outlined above, they can file a claim with your insurance carrier.

The act of doing so will then lead to that individual’s case being investigated, and if you are found to be at fault, your insurance company will compensate the person who was injured.

Of course, the above doesn’t just apply to others: it applies to you, too!

If you are injured in an accident, you can file a claim with the other person’s insurance carrier. Right after you file this claim, an insurance carrier will send an investigator to determine the validity of your claim.

Soon after your claim is proven to be valid, you will then be given a settlement offer. This settlement offer will give you the damages that, based on the current facts, the insurance company believes are fair.

Even though accepting this settlement offer may seem like a good idea – and, in some cases, it may be – it is always worth speaking with a personal injury lawyer first before accepting it.

Why Should You Speak With A Lawyer Before Accepting A Personal Injury Settlement Claim?

A personal injury settlement claim serves to release every party who happens to be involved in the accident that led to the personal injury from every claim related to this injury.

On its own, there is nothing wrong with this, especially if the settlement claim is good. But, sometimes, the settlement claim you have received is inadequate for the injuries you have received. Or alternatively, it doesn’t align with the facts of your case and what you are actually entitled to.

To determine if this is the case, you can and should speak with a personal injury lawyer. Doing so will allow you to understand your case and what you are actually entitled to. This allows you to then obtain those damages.

Speak With A Northern California Personal Injury Lawyer Today

Every personal injury claim is rooted in insurance. Sometimes, though, it isn’t very easy to navigate this process or to determine whether or not you should take a particular settlement offer.

Speak with a Northern California personal injury lawyer at Maire & Deedon today, and we will assist you in obtaining the best possible personal injury settlement.