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How to Deal with the Insurer After a Car Accident

Being injured in a car accident is challenging enough, but the red tape afterward can be overwhelming, and part of that process involves dealing with the insurance company. 

But unless you’ve been involved in a car accident before, you may be unsure what to expect from the insurer, how the claims process works, or how much your injury settlement could be worth. Even if you have been in a car accident before, every case is different, and your experience with the auto insurer could be, too. 

To give you a basic idea of how to deal with the insurance company, we have included information below about how the insurance claims process works and what you might expect from the insurance company. A Birmingham car accident lawyer from our firm can answer your questions in more depth. 

Alabama Insurance Laws and Your Car Accident Claim

Alabama is a fault state for car accidents and insurance. This means that after your accident, you’ll need to exchange insurance information with the liable party so that you can file a claim with their auto insurance provider. The insurance company will then be required to compensate you up to the limits of the insured’s policy. 

This can be a difficult process, however, because many drivers only carry the state’s minimum auto insurance coverage, and many injury victims suffer far more than the minimum limits for medical expenses and property damage. This also does nothing to account for the various non-economic damages and other financial losses that you’ve endured as a result of the accident. 

If the insurance company settles at the maximum limit of the policy and you still haven’t been fairly compensated for what you’ve been through, your next step may be to bring your case to court. 

What to Expect from the Insurance Company

If only dealing with the insurance company were an easy process for the claimant. Sadly, some insurance companies make the process more challenging and confusing than it needs to be in the hopes of reducing their profit loss. 

After filing your insurance claim, you can expect the insurer to try to obtain a statement from you about how the accident occurred. From there, they may attempt to make you a very low offer or refuse to settle reasonably. If this is the case, your lawyer will be able to handle them so you get the most out of your settlement. 

Not every insurance company is out to make your life difficult, but they are all profit-driven, which sets them up to care more about their own financial gains than about you, your family, or what you’ve been through. 

Reach Out to a Car Accident Lawyer

If you want to take steps now to protect your injury settlement from the insurance company, call a reputable car accident lawyer at Henry Dailey Law Firm for help. Schedule your free consultation when you fill out the quick contact form below or call our office at 205-995-2412 so we can get started on your case. 



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