Dealing with Hanover After an Accident
After a motor vehicle crash, your mind may be reeling with questions as you try to cope with the aftermath of the collision. If you were involved in a wreck due to the negligent actions of another person, you may be eligible to file a personal injury claim. However, navigating the claims process can be extremely challenging on your own.
Insurance companies may try to take advantage of injured claimants and get them to settle too soon or for an amount that is far below the value of their damages. Fortunately, an attorney at Cooper Hurley Injury Lawyers could assist you while dealing with Hanover insurance after your accident. Our team would devote themselves to helping you seek all compensation you are entitled to and protect your legal rights throughout the process.
The Hanover Insurance Claims Process
The claims process starts when the injured party or their attorney contact the insurance company and files their case. Insurance claims typically fall into two main categories — property damage and bodily injury claims. Property damage claims allow someone to recover compensation for any damage to their vehicle. Alternatively, someone filing a bodily injury claim is pursuing compensation specifically for their physical injuries. A person can file both types of claims, and often insurance companies will assign a different adjuster to handle each claim.
Property damage claims can be more straightforward than claims involving injuries. Usually, the property damage adjuster sends someone one to inspect the vehicle and either issues a check for the repair costs or the fair value of the car if it is beyond repair. Property damage cases can be resolved more quickly than other claims.
Sometimes, the adjuster may try to get the claimant to settle their bodily injury claim when they settle the property damage portion of their case. However, this can be unwise. In these situations, the claimant may not have completed treatment, and therefore, does not have a full grasp of the severity of their injuries. Once they sign the dotted line, they are generally barred from pursuing any further compensation for that claim. This is why it is advisable to avoid handling Hanover and other insurance companies before contacting a car accident attorney. Our team could help a claimant build a strong case that encompasses all of their damages.
Recovering Personal Injury Compensation Following a Car Wreck
Once the claimant is done with treatment and collects all of their medical bills, lost wages, the accident report, and any other pertinent evidence, they must submit this in the form of a settlement demand to the Hanover insurance adjuster. The adjuster usually has about a month to respond after receiving the demand.
Rarely will the insurance adjuster accept the claimant’s settlement demand out of the gate. Often, the adjuster responds with a far lower amount, and the negotiations process begins from this point. When dealing with Hanover Insurance in the aftermath of an accident, it is important to understand that the adjuster’s primary focus is to settle the demand with the least financial loss to the company as possible. The adjuster may try to shift some of the blame for the collision from their insured individual to the claimant in an attempt to diminish this person’s recoverable compensation.
A knowledgeable personal injury attorney who has vast experience handling these kinds of claims could safeguard a claimant’s interests from day one of their case. A lawyer could manage all facets of someone’s case, from communicating with the insurance company to obtaining evidence from law enforcement to negotiating for a just settlement with the insurance adjuster. If reaching a fair settlement is not possible, an attorney also could help the claimant weigh their options to file a lawsuit to pursue damages from the insurance company.
Get an Attorney’s Help to Deal with Hanover Insurance After a Collision
If you are dealing with Hanover insurance after an accident, you should speak with a personal injury attorney before moving forward. A lawyer could explain the full scope of your legal rights and help you understand what options you have to seek recovery. An attorney could uphold your rights and help you get the financial compensation you are entitled to receive. Call now for your confidential case review.