Investigation After Filing
Once you’ve filed an injury claim (which can be done online), your insurance company will first look to see if your accident is coverable based on your policy. They’ll also ask you for a copy of the police report so an investigation can start on who was to blame and who wasn’t. That usually involves contacting the other driver and interviewing them. As well, if there were any witnesses to the accident, they’ll also be interviewed.
Dealing with the Settlement
Once an insurance company comes to a conclusion, it may not always be what you want based on the available evidence. For accidents involving injuries, you’ll likely get a settlement offer from the insurance company that can sometimes be negotiable. If that can’t be done, it might mean hiring a lawyer to help with the case in small claims court. Or, an appeal can be done with a supervisor through the insurance company.
Keep in mind that in Rhode Island, you may have limitations if you’re filing a personal claim against another driver who might have given you injuries in a car accident. You can only file a lawsuit against that driver if your medical expenses are at least $2,000, or if you have considerable injuries that are permanent or serious. The latter scenario would be disfigurement or the loss of certain functions that enable you to live a normal life. This Rhode Island law helps many people deal with serious car accident injuries and who may not get complete coverage through their insurances.
Note the Rhode Island Statute of Limitations
All states have a statute of limitations when it comes to how much time you have to file a claim or lawsuit after a car accident. In Rhode Island, you have three years to file. That gives you plenty of time if you realize the injuries you incurred from a car accident are going to be affecting you for the rest of your life.
Contact us if you’re in need of an experienced Massachusetts personal injury attorney for help with a claim or filing a lawsuit against someone in a car accident.