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What Do You Need To Know About Car Accident Claims.

If you’re hurt in an auto accident with your company car, you may not know what you’re supposed to do…

What Do You Need To Know About Car Accident Claims

8th January 2024

If you’re hurt in an auto accident with your company car, you may not know what you’re supposed to do next. The steps you take in the moments, hours, and days following this incident are important for protecting your legal rights.

Before you make a car accident claim with your commercial auto insurance provider, there are certain things you should know to make the process go smoothly.

What to Do While You’re Still on the Accident Scene

Among the first things you should do after a car wreck is call the police. You will need to have officers respond if there are property damages over $1,000, injuries, or fatalities.

Request first responders if anyone has injuries. Even if you think you are fine, it’s always best to err on the side of caution and accept medical treatment. Many injuries are not visible on the surface, and delaying treatment could put your life in danger.

You’ll also need to do your part and exchange contact information with the other driver. If anyone saw what happened, get their information and a statement, too. This may be helpful for your commercial car accident claim, especially if there is any confusion about who caused the accident.

Evidence from the scene can also help support the facts of what happened. You will want to take photos and videos to show as much detail as possible.

What to Do After the Accident When Filing a Car Accident Claim

When it comes to auto accidents, Indiana is a fault-based state. This means the driver who caused the accident will be responsible for paying for the damages. You will also need to alert your commercial auto insurer that an accident has occurred. Failing to do so may result in the loss of your coverage — plus, they will likely find out if the other driver contacts your insurer.

Once you file a claim, it’s merely the beginning of the process. A claims adjuster will be assigned to review the evidence to determine who was at fault. Insurance companies will look for the best way to protect their bottom line, and while the adjuster you speak with may seem helpful, they are trying to gather more information that could be used to lower your settlement.

This is why many people in serious car accidents seek legal representation from a personal injury attorney. It’s the best way to protect your rights when you have severe injuries or there are multiple vehicles involved. Plus, if the accident happened in the company vehicle and not your personal vehicle, this makes your case more complex. It’s likely you’re not technically the owner of the vehicle. An attorney will take over with gathering evidence, investigating your accident, and negotiating with the insurance companies to get you what is fair for your financial losses.

Modified Comparative Negligence May Factor into Your Claim

Another layer of complexity added by the state is the modified comparative negligence rule. If a driver is 50% or less at fault in a car accident, they can still recover damages. This amount would be reduced by the determined percentage of fault.

While it’s nice to know you may still recover the money you need for your medical bills, property damages, lost wages, and other losses, there is a good chance that you may be assigned more blame than you deserve. Additionally, if you are assigned 51% or more fault in an accident, you will be barred from recovering any compensation for your accident claim.

In some auto accidents, it’s easy to see who’s at fault. Perhaps you were stopped and waiting at a red light when another driver barreled into the rear end of your vehicle. In other accidents, there may be other cars involved, or it may not be clear what happened. This is why evidence and investigations are such an important step to ensure that injured victims can recoup their losses caused by a negligent driver’s actions.

Do You Need a Lawyer to File a Car Accident Claim?

Getting into a crash in the company car is a bad day. What can you do to turn things around? If your commercial car accident was minor and you don’t have any injuries, you may be able to handle things on your own. When you have sustained serious injuries that result in hefty medical bills and cause you to miss work, you should consider hiring a car accident lawyer to ensure you get a fair settlement from your claim.

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