5 Common Mistakes People Make When Filing a Car Accident Claim

If you have been in a car accident recently, you must have anxiously awaited your settlement. You must have often asked yourself, “why is my car accident settlement taking so long?”

It is not new for these settlements to take longer than you expect. This can leave claimants feeling all worked up and anxious.

However, knowing the claim procedure can considerably benefit you and reduce your concerns about your claims.

However, it’s equally critical to be aware of the typical problems and identify the errors you’re making that are further slowing down the process.

These errors can greatly increase your wait time, and they might range from poor documentation to misunderstandings with your insurance provider.

In this blog, I’ll outline five typical errors individuals make when submitting a claim for a car accident and offer tips on how to avoid them.

Therefore, if this interests you, read this blog until the end….

Mistakes to Avoid: Why Is My Car Accident Settlement Taking So Long?

If you ask yourself, “Why is my car accident settlement taking so long?” you are probably making some mistakes. Here are the ones that you MUST avoid when you face an accident and want to claim your compensation:

1. Waiting Too Long to File Your Claim

You must submit your claim as soon as you can. The statute of limitations, or the window of opportunity to file a claim following an accident, varies from state to state.

Victims of accidents in Texas have two years from the accident date to make a claim. You run the danger of missing this deadline if you put it off.

Road conditions, witness accounts, and photographs are evidence that can deteriorate or vanish.

A National Association of Insurance Commissioners (NAIC) study estimates that 20% of claims are denied due to delays in submission.

Filing as soon as possible improves your chances of a successful claim and helps preserve important facts.

Additionally, it’s crucial to file your claims on time in Texas. To ensure your claim is handled properly, speaking with an expert, such as a Beaumont car accident attorney, is crucial.

2. Ignoring Medical Attention After the Accident

After an accident, you could feel OK, but some injuries, including whiplash or internal damage, might not exhibit signs immediately.

By seeking medical attention as soon as possible, you can safeguard your health and establish a record that connects your injuries to the accident.

Your claim may be weakened if you skip this stage. Insurance companies can contend that the collision wasn’t the cause of your injuries or that they aren’t serious.

Approximately 2.5 million people visit emergency departments each year as a result of motor vehicle injuries, according to the Centers for Disease Control and Prevention (CDC). Therefore, it is best that you let a doctor verify whether you are injured.

3. Saying “It Was My Fault” at the Scene

Admitting fault, whether or not you think you caused the collision, can harm your claim, even if it’s normal to feel confused following an accident.

Saying “I’m sorry” could be seen as an admission of guilt. Remain truthful while speaking with witnesses, other drivers, or the police.

Let the investigators figure out what went wrong. Insurance adjusters look at every detail, and if you acknowledge fault too soon, your reimbursement may be reduced or denied.

4. Accepting the First Settlement Offer

Insurance companies often make quick settlement offers, especially when you’re stressed. These initial offers might seem tempting but are rarely enough to cover all your damages.

Take time to assess your expenses fully. Consider medical bills, car repairs, and future costs like ongoing treatment or lost income.

Studies show that claimants who negotiate receive up to 40% more compensation than those who accept the first offer. Don’t rush—ensure the offer reflects the actual value of your losses.

5. Handling the Claim Without Legal Help

The claims process can be quite difficult to handle, particularly when dealing with combative insurance adjusters or legalese.

If you do not have an expert attorney, you risk not receiving the full compensation that you deserve and that is rightfully yours.

Attorneys are skilled at handling the paperwork, negotiating with insurance companies, and constructing a compelling case.

According to an Insurance Research Council report, claimants with legal counsel typically get three times as much money as those without.

Even while it may appear costly, hiring a lawyer is usually beneficial in the long term.

How to Avoid These Mistakes

• File as soon as possible: Don’t let deadlines pass you by.
• Get medical attention promptly: Even minor injuries can turn serious.
• Watch your words: Stick to facts and avoid admitting fault.
• Review settlement offers carefully: Don’t rush into accepting the first deal.
• Consult a professional: A lawyer can guide you and fight for your rights.

How to File a Car Accident Claim?

Now that you know the answer to “why is my car accident settlement taking so long?” let me help you with the filing process of a car accident

Here are the steps that you need to take:

• Report Your Accident: You must notify the police that you have gotten into a car accident. Additionally, do not forget to let your car insurance company know about the accident.
• Seek Medical Attention: Ensuring you receive the right treatment is crucial when facing an accident.
• Gather the Evidence: While it is natural for your logical mind to take a back seat, it is essential to get your evidence and documents right. This will help you file a car accident claim successfully. Ensure that you have medical records, witness statements, and accident reports.
• Get a Lawyer: Seek legal assistance and get a car accident lawyer. They will be able to represent you in court and get you the compensation you deserve. Additionally, they will also help you negotiate with the insurance company.

Final Thoughts

Filing a car accident claim might feel overwhelming, but avoiding these common mistakes can make the process smoother. By staying informed, taking prompt action, and seeking professional advice, you can protect your rights and ensure you get the compensation you deserve.

Read Next..

• How To Choose A Car Accident Lawyer?
• What To Ask A Car Accident Lawyer During Your First Consultation
• How to Get the Most Money From a Car Accident: A Comprehensive Guide to Maximizing Your Settlement