When you get into a car accident and the other driver is at fault, you may decide to sue their car insurance for damages. While this can be a contentious and sometimes complicated process, there are certain things you can expect when you choose to sue someone’s car insurance. Here are a few things to keep in mind:
1. You may need to hire an attorney.
Suing someone’s car insurance company can be difficult to navigate on your own. Depending on the severity of the accident and the damages you are claiming, it may be necessary to hire a lawyer who specializes in car accident litigation.
2. The insurance company will investigate.
Before any settlement can be reached, the insurance company will investigate your claim to determine who was at fault and what damages were incurred. This may involve reviewing police reports, speaking to witnesses, and assessing the damage to the vehicles involved.
3. You will need to provide evidence.
To prove that you are entitled to damages, you will likely need to provide evidence such as medical bills, repair estimates, and proof of lost wages. Additionally, your lawyer may call on expert witnesses, such as accident reconstruction specialists or medical professionals, to testify on your behalf.
4. Settlement negotiations may take time.
Once the insurance company has completed their investigation, they will typically make an initial settlement offer. Depending on the damages you are claiming, this offer may be sufficient or it may be low. Your lawyer can negotiate on your behalf to try to reach a more favorable settlement, but this can be a lengthy process.
5. Going to trial is a possibility.
If a satisfactory settlement cannot be reached through negotiation, your case may go to trial. This can be expensive and time-consuming, but it may be necessary to achieve the compensation you deserve.
6. Damages may not be awarded as requested.
Even if you are successful in suing someone’s car insurance, you may not receive the full amount of damages you requested. The judge or jury may determine that some of your damages were not directly related to the accident or that you are partially at fault for the accident.
While suing someone’s car insurance can be a challenging process, it may be necessary to receive the compensation you deserve after a car accident. By working with an experienced lawyer and understanding what to expect, you can navigate this process as smoothly as possible.