What Factors Determine The Viability Of An Auto Accident Claim?

First and foremost, you have to be injured to bring a personal injury claim; that sounds like common sense because it’s in the title, but many people ask what type of money they are entitled to and when I look into it, they may not even be injured, which is necessary for a personal injury case. As far as having insurance companies settle the case, they have to recognize they are at fault, but often one person says it’s the other’s fault and vice versa and you have finger pointing going on, which means the best evidence is often an independent witness.

An independent witness is someone with no stake in the outcome of the case, especially someone who likely doesn’t know anyone involved in the wreck who can describe what they saw. If that independent witness describes what they saw and places fault on the other party, it will drastically improve your chances of recovering with an insurance company without having to go all the way to trial. That’s just one way, though; other ways we can prove who is at fault is to look at the property damage to the vehicles and analyze that to attempt to recreate how the accident happened and we can also analyze road markings, depending upon the type of case and who says what.

Obviously, if a person causes a wreck and tells the police officer something and then three months later says something else under oath, that’s not good for them; it shows that their story is not credible. There are many ways to attempt to prove a case on liability; those are just a few.

How Will I Get My Car Repaired?

The best thing to do, usually, is to take your car to a place where it can be fixed, get an estimate and provide it to your own insurance company first. If someone else who caused the wreck, their insurance company will be in contact with you or your lawyer and you can provide that information to them as well; they will want to come out and look at the car and get an idea of how much it will cost them to either fix it or pay for it in its entirety, then they will contact you and talk to you about it.

Will I be Provided A Rental Car While My Car is Being Repaired?

Sometimes, that happens; it depends on your insurance policy; some allow for rental car expense to be reimbursed and some don’t, so you need to check your policy and make sure that it includes coverage for a rental vehicle.

Is it Advisable for Someone to Talk to the Police Without An Attorney Present?

You always comply and cooperate with law enforcement and frankly, it’s to your benefit to tell the police officer what happened accurately from your perspective, so they can put it into the report. That report is often reviewed and relied upon by insurance companies to pay claims, although police reports are not admissible at trial because the police officer didn’t witness the wreck. However, it is admissible for the officer to verify what you told him, which is important because it shows that your story has been consistent all along, even if it’s years later.

What Are the Minimum Car Insurance Requirements in Alabama?

In Alabama, there is a requirement that you have liability insurance for $25,000, which means essentially you’ve entered into a contract with an insurance company in which you pay a certain premium for insurance that indemnifies you up to $25,000 in the event that you hurt someone else or damage their vehicle. There is no requirement under Alabama law that you have uninsured or underinsured motorist coverage, although you have to sign a specific document that says that you do not want and that you elect not to have underinsured and uninsured motorist coverage.

For more information on Viability of Auto-Accident Claims, a free initial consultation is your next best step. Get the information and legal answers you’re seeking by calling (205) 871-9990 today.

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