Getting into a car accident can bring about physical injuries, emotional stress, and financial strains, too, like hefty medical bills and soaring insurance premiums. If you find yourself in this situation, it might be a good idea to consider contacting a car accident attorney. They can guide you through your legal options and help you understand how the incident might impact your insurance rates.

How Does Fault Affect Car Insurance Rates?

Insurance companies consider several factors when determining liability, and one of the most important factors is the fault of the accident. Who's at fault in a car accident can significantly impact the rate of insurance premiums.

The duration for which your insurance premiums rates will be higher after an accident varies depending on several factors, including:

  • Milwaukee laws
  • Insurance company policies
  • Your driving history
  • The severity of the accident

When determining premium rates, insurance companies consider the level of risk associated with each driver. If you are liable for a motor vehicle accident or have a history of accidents, it indicates a higher level of risk, increasing the likelihood of future accidents. 

At Natasha Misra Law, we encourage you to report your accident immediately to your insurance company. If you believe that your insurance company does not have your best interest at heart or that your rates increase, though you were not at fault for the accident, we can help. 

How Fault Impacts Insurance Claims

Insurance companies consider several factors when determining liability after an accident, with the fault being one of the most critical. Filing a claim should not lead to rate increases if you are not at fault for the collision. However, if you are liable or have a history of accidents, your premiums may rise due to the increased risk.

It's still vital to file a claim regardless of fault determination. This ensures you receive compensation for injuries, vehicle damage, and other expenses from the at-fault driver's insurance. Your own policy may also provide coverage like medical payments or uninsured motorist coverage to help pay bills.

Steps for Filing an Effective Insurance Claim

Here are some tips for filing a thorough insurance claim after a car accident:

  • Report the Accident: Notify your insurance company about the accident as soon as possible after it occurs. Provide key details like date, time, location, and parties involved. This starts the claims process.
  • Cooperate with the Insurer: Work closely with your insurance company during the investigation. Provide a recorded statement, access to your vehicle for inspection, and any supporting documents they request. This shows you are acting in good faith.
  • Track Expenses: Keep detailed records of all accident-related expenses, including medical bills, auto repair estimates, missed wages due to injuries, and communication with insurers. This evidence helps support your claim.
  • Request a Police Report: Obtain a copy of the official accident report filed by the responding law enforcement officer. Review it for accuracy regarding the determination of fault and details provided.
  • Don't Delay Care: Seek medical treatment immediately after the accident and follow all doctor's orders. Gaps in care can lead insurers to dispute injury claims.
  • Rental Car Coverage: If your vehicle is not drivable, make sure to specifically request rental car reimbursement from the at-fault driver's insurer. Most policies include this coverage.

Filing an insurance claim is the essential first step after any accident, regardless of who is deemed at fault. It starts the process of getting your bills paid and vehicle repaired.

Injured in a Milwaukee Car Accident? Contact Natasha Misra Law For Help

It's important to report your accident to your insurance company. If your premiums rise even if you were not at fault or believe the fault was wrongfully assigned to you after the accident, contact Natasha Misra Law for help. Call (414) 210-3834 for a consultation.

During the COVID-19 pandemic, more people are choosing to stay at home to slow the spread of the virus. Although there are fewer drivers, cyclists and pedestrians taking to the streets, unexpectedly the rate of serious and deadly accidents has increased as drivers become more reckless.

Additionally, many individuals are suffering from accident injuries that occurred before COVID-19. For personal injury victims, COVID-19 presents a handful of challenges for dealing with their claims and getting the compensation they deserve. Medical treatment for injuries may be difficult to access. There may be more uninsured drivers on the road.

If you were injured in an accident before or during coronavirus, you should speak with a Wisconsin personal injury attorney about your accident injuries. Natasha Misra Law is open and available to discuss your case with a free consultation.

Settling a Personal Injury Case During COVID-19

COVID-19 is causing serious financial pressure for individuals, families and businesses. The current stay at home order has forced businesses to close, leading to unemployment and reduced pay.

This financial hardship may create pressure for unrepresented accident victims to accept quick settlement offers for their injuries. Settlement money could bring much needed financial relief. For accident victims who do not have an attorney, insurance companies may try to leverage the current economic climate for their benefit and diminish the value of their claims, delay payments or deny their claims altogether.

While it may be tempting to accept an initial settlement offer from an insurance company during COVID-19, I always recommend speaking with an attorney prior to signing any documents. This will ensure that your rights to a full financial recovery after an accident are protected.

Receiving Medical Treatment for Injuries During COVID-19

During COVID-19, you may find it difficult to seek medical treatment for your injuries or visit your doctor’s office for ongoing treatment. Stay at home orders may prevent you from leaving home. Your doctor’s office may be open to only emergency cases. You may even be feeling COVID-19 related symptoms yourself. However, telemedicine may be available to you in order to continue your treatment and keep medical appointments while maintaining safe social distancing.

Telemedicine is being frequently used to help individuals gain access to medical treatment during COVID-19. For example, telehealth allows accident victims to speak with medical professionals through teleconferencing and by phone. In addition, physical therapy sessions can also be conducted through teleconferencing. Many providers also have portals that allow patients to communicate with their health care provider through an online patient portal.

If you are unsure of how you can continue to receive medical treatment during COVID-19, you should reach out to your doctor or medical provider to learn what options are available to you. By discussing those options with your doctor or medical provider, you will be able to continue to receive the necessary treatment that you deserve in order to recover from your injuries.

Lapses in Auto Insurance Coverage During the Coronavirus

Some Wisconsin-based auto insurers are providing financial relief to their customers through refunds and discounts during the COVID-19 pandemic. However, not all drivers will receive these benefits. As more drivers lose their jobs, receive pay cuts and fall behind on monthly bill payments, there may be more uninsured drivers on the road.

If you are injured in a car accident caused by an uninsured or underinsured driver, then you will need to seek compensation from your own insurance company under your uninsured/underinsured motorist policy. You may also have a claim against the personal assets of the at-fault driver; however, recovering compensation from uninsured individuals may be difficult, especially when they are already experiencing financial hardship.

Even when you are dealing with your own insurance company, it is important to have an experienced personal injury attorney on your side to ensure you receive the full benefit of your insurance claim.

Contact a Wisconsin Personal Injury Lawyer

During COVID-19, it is important to continue to seek medical treatment, follow treatment plans, and work with your personal injury attorney to build the best case possible. If you have been recently injured in an accident, you should seek medical attention for your injuries and speak with a personal injury attorney about your case.

If you have questions about how COVID-19 may impact your personal injury case, call Natasha Misra Law today at (414) 210-3834.

Natasha Misra

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.