Common Myths About Car Accident Claims and Legal Realities

Do you know the probability of being in a car accident is incredibly substantial? 

Research proves that approximately 77% of drivers have been involved in at least one car accident. This means - a person experiences a car accident every 18 years. We can say that accidents are more prevalent than we might anticipate!

However, the pervasive occurrence of car accidents has given rise to numerous myths and misconceptions. Many of these myths are just false, but some do have a grain of truth. 

Automobile collisions are far too frequent and can result in a variety of injuries as well as legal issues.

To understand the claims process and make sure you are informed at every stage, you must understand the myths and reality of car accidents. If something is out of place for you - consider talking to a car accident attorney in Rio, Linda. 

Common Car Accident Myths to Ignore

Myth 1: You Don’t Need a Lawyer If you have an Insurance

Reality: It Is Important To Have A Lawyer At All Cost

One of the most common myth is - having car insurance nullifies the need for a lawyer. While insurance can cover certain costs, insurers often aim to reduce payouts. 

A professional auto accident attorney in Sacramento guarantees you receive the money you deserve. They negotiate with insurers on your behalf. Also, the legal procedure can be quite chaotic, and they help you guide through it. 

Myth 2: Insurance Companies Are On Your Side

Reality: Insurance Firms are Businesses

Well, that's both a yes and a no! It's a misconception that insurance companies are your savior after a car accident. All insurance companies are just running their business. They are in business to make money. So, as long as their interest aligns with yours, they will be on your side.

They tend to offer less compensation to you. Insurance companies may want to settle your claim promptly and for the least amount of money feasible. This may not cover all of your expenditures.

Hence, it is advisable to hire a car accident lawyer to ensure you are compensated properly. 

Myth 3: All Car Accident Claims Go to Court

Reality: Not All. But Most Of Them Are Settled Out of Court

The majority of car accident claims are resolved through negotiations and settlements. Hence, there is no need to go to the court. The lawsuit is usually filed when the negotiation fails to yield any better result. 

Going to court may be expensive and tedious. Therefore, both parties usually prefer to negotiate an agreement before going to court. Your lawyer can help you settle the matter efficiently.  

Myth 4: If You Were Partially at Fault, You Can’t Recover Compensation

Reality: Comparative Negligence Laws Apply

Many states follow comparative negligence rules, including California. It allows you to receive compensation even if you were partially to blame for the accident. 

Your compensation may be decreased based on the amount of your fault. However, this does not exclude you from pursuing damages. 

Myth 5: You Should Accept the First Offer From the Insurance Company

Reality: Don't Rush Settlements 

Insurance firms offer low-ball offers to determine whether you'll agree to them or not. In such instances, it's imperative to fight your desire to settle fast. This is affirmative, especially if your medical care is ongoing or you are unaware of the long-term consequences of your injuries. 

Consult with the best personal injury lawyer in Sacramento to ascertain the offer's aptness and to negotiate a fair settlement.

Myth 6: Reporting An Accident Can Raise Your Insurance Claim

Truth: Insurance companies are prohibited by law in several states from hiking drivers' rates when the driver is not at fault.

If you caused your accident, your insurance rates may go up. However, if someone else was at fault, they won't. In several places, the law forbids insurance companies from raising drivers' premiums when they report accidents that weren't their fault. 

However, according to the terms of your insurance, you are probably expected to record all accidents. This is because not reporting an accident could result in a rejection of coverage.

Myth 7: You Can Wait to File a Claim

Reality: There Is A Time Limit to Filing A Claim

Your prospects of winning a car accident claim may be compromised if you wait too long to initiate one. Every state has a statute of limitations that establishes the deadline for submitting a claim. 

The statute of limitations is the term for these two years (in several states). You can completely forfeit your right to pursue compensation if you miss this deadline. After an accident, it's critical to speak with a lawyer right away to make sure your claim is submitted within the relevant statute of limitations.

Myth 8: You Can Handle Claim On Your Own

Reality: That's Absolutely Not True

Car accident claims involve a complicated legal procedure. It can be difficult to understand on your own. Hence, it is advisable to hire a professional auto accident lawyer in Charmichael. 

There are numerous things to take into account - ranging from obtaining proof to haggling with insurance providers and comprehending the relevant rules and regulations. 

If you try to manage a claim on your own, you can end up with less money than you should or make expensive errors. So 

Things To Do For Filing Car Accident Claim Smoothly

Here are certain things you need to follow to ensure a smooth car accident claim - 

Act Quickly

You cannot wait to file car accident claims. Usually, you have two years from the accident date to initiate a personal injury case. A delay in filing a claim can cause a delay in getting compensation. Also, it might result in the rejection of the claim. 

Ensure You Have Evidence

You must collect evidence and preserve them for later use. You must have - photos of the accident site, medical records, and witness accounts. These documents contribute significantly to establishing a compelling case. Also, it precisely demonstrates what happened at the accident site.

Hire The Best Lawyer

An experienced personal injury lawyer can assist you in understanding your rights. They help you gather and present evidence. Also, they help negotiate with insurance companies and represent you in court if required.

Takeaway

After a car accident, don't let myths prevent you from pursuing justice and damages. You may confidently handle the claims procedure and obtain the money you are due. You can do all these by dispelling popular misconceptions and getting advice from a reputable auto accident lawyer in Charmichael.

Don't avoid bringing in the cases because of such misconceptions surrounding car accidents.