Insurance after a car accident

After a car accident, one of the most difficult things to figure out is whether your insurance or someone else’s insurance has to pay for the medical bills you’ve accumulated. Even if your insurance is paying for your bills, it can be tough to know if their “offer” to settle the case is sufficient. When an insurance company offers you a settlement for your injuries, should you take it? There are several factors to consider when you’re evaluating an offer from a car insurance company offering to settle your personal injury claims.

1. How Bad are your Injuries?

The most important inquiry in determining whether a personal injury settlement offer is appropriate is to ask how bad your injuries are. No injury is a good thing, but obviously, some physical injuries are worse than others. How long did it take you to heal? How long did you seek treatment for your personal injuries? Did you miss work or lose your job because of your injuries? In general, you are usually entitled to recover for your medical bills, your lost wages, and your pain and suffering resulting from the vehicle accident. Determining how bad these were will help determine whether an offer from your insurance company is fair.

2. Are you completely better?

One of the most important questions to ask yourself is whether you’re completely better. You should generally not accept a settlement for personal injuries from a car or other accident if you are not 100% recovered. Sometimes, the most serious injuries are lurking under the surface. If you’re still experiencing pain and lack of mobility after treatment, you should first speak to your doctor about other treatment options. Once you accept a settlement for a car accident, you are done. You will be asked to sign a release, and you won’t be able to come back for more money if it turns out the injuries are more serious than you thought. So, don’t settle if you’re not better yet! Or, if you’re statute of limitations is about to run out (see below), you may need to file suit to preserve your rights to compensation.

3. When does your statute of limitations run out?

The statute of limitations is a law that sets the time limit on when you can bring a lawsuit to recover for your injuries. You should consult an attorney about your particular case to determine when the statute runs out on you, thus limiting your right to recover for your injuries. If your statute is about to run, this will impact whether you file a lawsuit or accept an offer to settle your claim. The statute of limitations can also motivate the insurance company to make a better offer–but that’s only the case if they’re afraid you’ll file suit.

Conclusion: Call for a Free Consultation on your Injuries

In conclusion, if you’ve been injured in an accident–whether it involved a car, bus, motorcycle, bike, or any other vehicle–call us for a free consultation on your case. We can help you determine whether a settlement offered you by a car insurance company is right for your case, or whether you should fight for more compensation. Whether you were injured in an accident here in Berks County, or anywhere in Pennsylvania, Maryland or New Jersey, we can help you determine what to do next.