One of the most valuable pieces of information that you can learn is what to do after a car accident in Illinois to ensure that you recover the compensation that you are owed. While you may think that getting the money that you deserve is as simple as reporting the accident to your insurance company, chances are it will not be that easy. Follow this step-by-step guide for what to do to recover compensation after a car accident:
1. Report Your Car Accident to the Police and Seek Medical Care
While these are two independent actions, which one you do first may depend on the severity of your injuries. Either way, be sure that you report your car accident to the police and get a copy of the police report, and that you seek medical care for any injuries and document the care received. In order to recover compensation for your injuries, you will need to provide proof of medical services.
2. Report the Accident to Your Car Insurance Company
While the other driver’s insurance company may be the one responsible for paying for your injuries (if the other driver was at fault), you still should report the accident to your own insurance company. In fact, your own insurance company may cover your injuries and then file a subrogation claim against the other driver’s insurance. In other cases, your insurance company may be liable for certain damages. If you have medical payments coverage, for example, your insurance should offer you compensation regardless of fault.
3. Gather Evidence
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If you believe that the other driver was at fault for the car accident, you will need to prove it in order to recover compensation. Illinois is an at-fault car insurance state, and all drivers are required to carry liability insurance to help pay for the accidents that they cause. If you cannot prove the fault of the other driver, you may be unable to recover compensation for your injuries. Or, if you are found to be partially fault for the accident, modified comparative negligence laws may reduce the amount of money you are able to recover in proportion to your percentage of fault.
4. Do Not Accept a Settlement Offer
In order to resolve your claim as quickly as possible and prevent you from seeking further reparations, an insurance adjuster may try to pressure you into accepting a first settlement offer. Not only are you not obligated to accept a first offer, but you should absolutely not do so, even if the offer appears fair; first offers are typically low balled in order to save the insurance company money. Instead, you should always negotiate for a higher amount.
5. Contact an Illinois Car Accident Attorney
A skilled Illinois car accident attorney can assist you in gathering evidence, proving fault, talking with an insurance adjuster, negotiating a claim, and taking your claim to litigation. Mary Ann Covone Attorney at Law is ready to get to work on your case. Serving LaGrange, Indian Head Park, LaGrange Park, Countryside, Westchester, and Brookfield, Mary Ann Covone is experienced and passionate. Call today for a free consultation to get your case started at 708-246-4911.