The aftermath of a serious car accident can feel extremely overwhelming. From seeking the medical treatment you need to tracking down witnesses and attempting to get back on your feet financially, you have so much to do - and filing an insurance claim may be the last thing on your mind.
Fortunately, you don’t have to do this alone. An experienced Milwaukee auto accident lawyer can help you pursue the compensation you need from the insurance companies to move forward. Your attorney can also explain the different types of claims available that you are able to file and can build a strong case to maximize your potential settlement.
Here, we will share a brief overview of the types of auto insurance claims you can file and how a skilled personal injury attorney can help you prepare one.
When you are involved in a car accident with a driver who carries liability insurance, you can file a claim against that driver’s policy. This is often called a “third-party” insurance claim, since you do not have a contract with the other driver’s insurer.
When you file a third-party claim, your auto accident lawyer will contact the other driver’s insurance company to initiate the claims process. This can be done through a written letter or a more formal package that presents the damages you sustained. This may include the following types of information and evidence:
Once you’ve filed your car accident claim, the insurer will investigate the claim and determine whether you are entitled to the compensation amount you have requested. Often, this involves a series of negotiations with your attorney. A skilled personal injury attorney will work hard to ensure you are not pressured into settling for less than you deserve.
Wisconsin law requires all motorists to purchase liability insurance. Nonetheless, there are many drivers out there who can’t afford - or don’t bother to apply for - auto insurance. If you are hit by an uninsured driver, you will likely have to turn to your own insurance to pay for your damages.
The State requires all drivers to carry a minimum uninsured motorist coverage of $25,000 per person and $50,000 per accident for personal injuries. This coverage will pay for damages that you sustained when hit by an uninsured motorist.
However, this type of coverage does not pay for property damage to your vehicle. This will be handled through the collision coverage portion of your policy.
Although Wisconsin law imposes minimum requirements for uninsured motorist coverage, it is not mandatory to purchase underinsured motorist (UIM) coverage in our State.
UIM coverage provides an increased amount of coverage if you are injured in an accident caused by a motorist who was underinsured. If you elect to purchase this type of coverage, your limits must be $50,000 per person and $100,000 per accident.
When you are injured in a car accident, you need diligent, high-quality representation - regardless if you file a third party insurance claim or a claim against your own insurance company.
Milwaukee car accident law firm Natasha Misra Law can help. With a history of helping accident victims recover the compensation they deserve, we stand ready to discuss your case with you. Contact us today for a free consultation.
If you have been in a car accident, it is important to seek medical treatment as soon as possible to identify and treat all car accident related injuries. Some car accident injuries are obvious, like a broken bones, cuts and bruises. Others may not be so obvious, such a soft tissue injuries and brain damage.
The following have been identified as the most common car accident injuries.
The most common injuries sustained in a car accident are soft tissue injuries. In a car accident, connective tissue such as tendons, ligaments and muscles may be damaged by the force of impact.
When filing an insurance claim, these types of injuries are often difficult to prove. Succeeding on a personal injury claim involving soft tissue injuries may hinge on a medical examination.
If you have sustained soft a tissue injury related to a car accident, it is imperative you should seek immediate medical attention for a diagnosis.
Other common injuries suffered in auto accidents include cuts and lacerations. These injuries may be caused by loose objects in the car, such as books, cell phones, sunglasses and coffee mugs. These loose items may become airborne, creating a hazard of injury. Glass may also break, metal may be bent and sharp edges may become exposed during a car accident.
Cuts and lacerations are often treated with stitches or surgery. Minor cuts and lacerations may heal over time, but more severe cuts can lead to long-term health complications, permanent disfigurement and painful scarring.
Documenting these injuries following a car accident can help you prevail on your personal injury claim. In addition to seeking medical treatment, you may want to photograph your injuries following the accident.
Broken bones are another common form of injury to follow car accidents involving high-speed collisions. Impact with the interior components of like the steering wheel, dashboard and even an airbag can lead to broken wrists, arms, legs and ribs.
Like major cuts and lacerations, broken bones will require medical treatment. Broken bones are often treated with casts or surgey, depending on the severity of the break. Injuries involving broken bones may take months to heal in addition to years of physical therapy. in the most serious cases, broken bones can cause long-term damage and affect your quality of life.
When making an insurance claim for an auto accident, you will need to take into account any ongoing medical expenses related to broken bones. For example, your injuries may require ongoing surgery or physical therapy.
Head injuries caused by a car accident may be more difficult to self-diagnose, which is why seeking a proper medical evaluation immediately following an accident is so important. Head injuries can range from a concussion to traumatic brain injury, and can significantly impact your quality of life.
Some injuries may not be visible following a car accident. For example, internal bleeding and damage to organs may occur in car accidents. Such injuries require immediate medical attention and treatment.
Injury to the spine, neck and back are other common car accident injuries, the most common being whiplash.
Whiplash, which is a form of soft tissue injury, occurs when connective tissue in the back is stretched due to sudden rapid movement.
In the worst of cases, spine, neck and back injuries may also lead to paralysis or even death. Those suffering from pain in their spine, neck or back after a car accident should consult a doctor for a proper diagnosis.
If you are injured in a car accident, you should seek immediate medical attention for diagnosis and treatment. If you have been injured in a car accident in Wisconsin, you should also seek the advice of a Milwaukee car accident lawyer. Call Milwaukee personal injury attorney Natasha Misra at 1-800-989-6385 for a free case consultation.
My law practice is dedicated to helping people who have suffered injuries in accidents which were not their fault. Born and raised in Milwaukee, I come from a family of medical professionals. My background and experience help me understand and represent individuals injured in accidents.