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The most common type of accident claims are
claims involving cars. Car accidents can result in bodily injury to
you and damage to your car. If the accident was not your fault, it
is common practice to file an accident claim against the coverage
policy of the responsible party. If the accident was your fault and
you have the proper coverage you can file an accident claim against
your own policy.
Accident claims can stem from many other situations besides
automobile accidents. To be a bit more precise, there are motorcycle
accidents, public transportation accidents, work related accidents,
personal injury accidents, and industrial accidents to name just a
few. People get hurt in all kinds of ways and normally there is
someone responsible for it, in which case, there should be some kind
of coverage policy in place to take care of accidental injuries or
property damage. In most cases the limits provided under the
coverage policy is ample to take care of any medical bills, lost
wages, or damage to property; however, in some cases it is not and
other avenues of recovery must be pursued.
Claims filed for accidents are investigated by an adjuster for the
company providing the coverage. The adjuster's first responsibility
is to the company they work for, their second responsibility is to
negotiate a claim settlement with the claimant as cheaply as
possible. If the adjuster finds in favour of the claimant, the
insurer's only responsibility is to return the claimant and his
property to the same condition as before the accident. If the
adjuster and the claimant cannot agree on a fair and reasonable
settlement, at times it becomes necessary for a claimant to seek the
advice and help of a solicitor in order to be fully compensated for
their loss; since an adjuster's idea of fully compensated and a
claimant's idea may be two completely different things.
In most cases taking legal action is not necessary in order to
obtain satisfaction when an accident claim has been filed. Simple
cases are taken care of quickly and easily and everyone is happy.
Problems arise when returning someone or something to it's before
accident condition can not be obtained by normal accident claim
handling and it is those cases that sometimes require the use of a
solicitor to help negotiate a settlement with the insurer, many
times without having to go to the courts for a decision which is
cheaper for the insurer and less stressful on the claimant. However
it is often wiser to at least discuss the claim with an experienced
solicitor, particularly if large sums are involved or you have
suffered personal injury.