News & opinion How Does A Car Accident Lawsuit Work?

How Does A Car Accident Lawsuit Work?

hen you’ve been hu

t in

c

ccident, the l

st thing on you

mind is “ho

does

c

ccident lsuit

o

k?” But

hen the dust settles

nd you’

e left

ith thous

nds of doll

s of bills, ho

ill you get help?

n

uto

ccident lsuit m

y be the only

y.

M

ny people hesit

te to begin the p

ocess of

c

ccident cl

im o

c

ccident l

suit simply bec

use they e

f

id of the unkno

n. This p

ge

ims to cle up some of th

t confusion. Let

n expe

ienced

uto

ccident l

ye

lk you th

ough the

hole p

ocess!

e

d belo

to len mo

e

bout ho <

h

ef="https:

/c

inju

yvictims.com

getting-

n-

tto

ney-fo

-c-

ccident-cl

im

“>c

ccident cl

im >

o

ks. Let’s t

ke you f

om csh to compens

tion.

T

ble of Contents

  • <
    h

    ef=”#conside

    ing">Conside

    ing

    C

    ccident L

    suit? ><

    li>

  • <
    h

    ef=”#ph

    ses">Ph

    ses of

    C

    ccident C

    se<><

    li>

  • <
    h

    ef=”#f

    q">C

    ccident L

    suit F

    Q<><

    li>

  • <
    h

    ef=”#

    vege">

    h

    t e

    ve

    ge

    uto

    ccident L

    suit Settlement

    mounts?<><

    li>

  • <
    h

    ef=”#denied”>

    h

    t C

    n I Do if My Cl

    im is Denied? ><

    li>

  • <
    h

    ef=”#conclusion”>Conclusion ><

    li>

<

id="conside

ing”> >Conside

ing

C

ccident L

suit?

If you get hu

t in

c

ccident c

used by someone else’s c

elessness, it is you

leg

l

ight to file

cl

im fo

compens

tion fo

you

losses. In

pe

fect

o

ld, you

ould submit

cl

im

nd s

iftly

eceive

check in the m

il th

t cove

s

ll you

expenses. Ho

eve

, it’s not th

t simple.

C

ccidents often involve extensive investig

tion, negoti

tion,

nd even l

suits.

It might seem like

h

ssle, but conside

this:

settlement

d f

om

c

ccident cl

im c

n help you p

y fo

you

medic

l bills,

uto

ep

i

s,

ent

l c,

epl

cement vehicle, lost ges, emotion

l st

esso

s,

nd much mo

e.

Belo

e the typic

l steps in

<

h

ef="https:

/c

inju

yvictims.com

c

ccident-cl

im-

o

th/”>c

ccident cl

im >.

<

id=”ph

ses"><>Ph

ses of

C

ccident C

se<

h1>

Filing

C

ccident Cl

im<

h2>

fteny

uto

ccident, info

m you

c insunce p

ovide

. You’ll find some

elief if you

policy includes collision covege, but you c

n

lso go

fte

the

t-f

ult d

ive

’s insunce, so c

ll

nd let both you

o

n c insunce comp

ny

nd the othe

d

ive

’s c

insu

nce comp

ny kno

th

t you e filing

cl

im. Even though the othe

d

ive

m

y be

esponsible fo

the csh, thei

c

insu

nce comp

ny

ill be the one p

ying you. TIP: ite do

n you

cl

im numbe

nd the n

me of the cl

ims speci

list

ssigned to you, if

pplic

ble.

Consulting

Lye

fte c

ccident, it’s

lys

good ide

to get leg

l

dvice. Insunce comp

nies h

ve thei

o

n

tto

neys

ho kno

the ins

nd outs of c

ccident ls;

hy shouldn’t you?

e

ish you luck on you

quest to find the best c

ccident

tto

ney. The

e e plenty of options to choose f

om, but if you’d like

100% F

EE consult

tion

ight no

, cont

ct us. The

e’s ze

o

isk!

hen you meet

ith

<

h

ef=”https://c

inju

yvictims.com

se

vices

c

ccident-

tto

ney-houston

“>c

ccident lye

> fon initi

l consult

tion,

hethe

vi

tu

lly, ove

the phone, o

in pe

son, be p

eped to

ns

e

some b

sic questions

bout the

ccident, you

inju

ies, you

expenses,

nd mo

e. The c

ccident lyeill ev

lu

te you

c

se

nd let you kno

you

ch

nces of success. If you both nt to move fod

ith

cl

im, you

ill be

sked to

eviend sign et

ine

g

eement. Next, you

c

ccident lyeill

e

ch out to insunce comp

nies

nd

ny othe

elev

nt pties to let them kno

you h

ve leg

l

ep

esent

tion. They

ill m

ke phone c

lls

nd send lette

s in o

de

to

epo

t you

ccident

nd m

ke su

e you

cl

im is offici

lly filed.

TIP: Since most pe

son

l inju

y lye

s

o

k on

contingency fee b

sis, you p

y nothing upf

ont. The

et

ine

g

eement

ill specify the fee

mount th

t you

tto

ney

ill t

ke f

om the fin

l settlement.

e only get p

id if you get p

id!

evie

ing Insu

nce Policies

hen it comes to c

ccidents, Tex

s is

comp

tive f

ult st

te,

lso kno

n

s

“to

t st

te.”  fo

c

ccidents. This me

ns

hen you get into

c

ccident, you compe

ho is mo

e

t f

ult. If

d

ive

is found to be p

imily

t f

ult fon

ccident, they must t

ke fin

nci

l

esponsibility fo

it. Li

bility insu

nce exists to help cove

ccidents like these. You

lye

c

n dete

mine the limits of the

t-f

ult d

ive

’s insu

nce policy.

TIP:

hile only li

bility insu

nce is

equi

ed in the st

te of Tex

s, you should double-check you

policy to see if it c

n help. Collision cove

ge

nd pe

son

l inju

y p

otection (PIP), fo

ex

mple, could cove

some o

ll of you

expenses. Uninsu

ed/unde

insu

ed moto

ist covege p

ys if you’

e hit by someone

ho did not h

ve insunce, o

didn’t h

ve enough to p

y the full cost of you

d

m

ges. It

lso p

ys if you’

e in

hit-

nd-

un

ccident.

eceiving Medic

l T

e

tment

You

he

lth is ou

numbe

one p

io

ity. Even if you

e

en’t

hisked

y f

om the scene of the csh in

n

mbul

nce,

nd even if you feel “fine” no

, you need to be p

ope

ly ex

mined. If you don’t c

tch them e

ly enough, m

ny soft tissue inju

ies c

n

o

sen ove

time

nd le

ve you de

ling

ith ch

onic p

in.

hen spe

king

ith you

docto

, be fully honest

bout you

p

in levels. Don’t t

y to g

in

nd be it. In o

de

to h

ve

clee

estim

te of you

tot

l medic

l expenses,

e

dvise you to complete

ll

ecommended medic

l t

e

tments befo

e pu

suing you

c

se. If you’

e

fid you c

n’t

ffo

d medic

l ce, don’t

o

y.

c

ccident l

ye

c

n connect you to medic

l p

ovide

s

t no upf

ont cost.

e c

n even help schedule youppointments

nd

nge t

nspo

t

tion! Ho

c

n

e do this, you

sk? By submitting

lette

of p

otection.

lette

of p

otection,

lso kno

n

s

n LOP, is b

sic

lly

n “I.O.U.”

hich gu

ntees

medic

l p

ovide

ill

eceive thei

p

yment f

om

pending cl

im settlement o

futu

e l

suit

d. This me

ns medic

l p

ovide

s

g

ee to t

e

t you

ight nond postpone thei

p

yment collection until you

c

se is fin

lized.

hile you

ecove

, the medic

l bills

ill go to youtto

ney fo

p

ope

eco

dkeeping, but you c

n

lso

equest you

o

n copies.

TIP: Follo

you

docto

’s o

de

s

nd neve

miss

n

ppointment!

void g

ps in t

e

tment, o

else they m

y be held

g

inst you.

Collecting Evidence<

h2>
Befo

e you file

l

suit, you must fi

st l

y the found

tion fo

you

c

se. The ultim

te go

l of this ph

se is to dete

mine li

bility

nd p

ove ho

you h

ve suffe

ed.  

c

ccident l

ye

c

n do this by collecting evidence like medic

l

eco

ds, police

ccident

epo

ts, bills,

itness testimonies, su

veill

nce foot

ge,

nd mo

e.

e

ill obt

in

ll

v

il

ble evidence to st

engthen you

c

se.

e

ill

lso enlist the help of investig

to

s

nd expe

ts like csh

econst

uction speci

lists.

s you continue you

medic

l t

e

tments, you

l

ye

ill o

de

copies of you

bills

nd medic

l

eco

ds to include in you

c

se.

p

ognosis

epo

t f

om you

docto

m

y

lso be submitted

s pt of

n expe

t

itness testimony.

TIP:

pictu

e tells

thous

nd

o

ds! Send you

lyeny photos you took

t the scene of the

ccident,

s

ell

s photos of

ny p

ope

ty d

m

ge o

inju

ies

nd b

uises you suffe

ed.

hen you file you

cl

im, insunce

djuste

s

ill begin thei

o

n investig

tion, too. This involves inspecting both vehicles (

hich might h

ve been to

ed to

ep

i

shop o

s

lv

ge y

d)

nd t

ying to collect st

tements f

om

nyone involved.

hethe

they e

s

lied st

ff

djuste

o

n independent

djuste

,

est

ssu

ed they e

cting in the best inte

ests of the insunce comp

ny.

TIP: Investig

to

s f

om both sides

ill dig deep. This me

ns the negligent d

ive

’s insunce cl

ims

djuste

s might even check you

soci

l medi

ccounts!

tch

h

t you post

nd st

y tight-lipped

bout youccident

hile the investig

tion is ongoing.

Submitting

Lette

of Dem

nd

fte

you complete

ll

ecommended medic

l t

e

tment

nd physic

l thepy, you

c

ccident

tto

ney

ill obt

in copies of you

medic

l

eco

ds

nd bills. They

ill

lso

equest p

y

oll info

m

tion f

om you

employe

to dete

mine the

mount of

ges you lost

s esult of the

ccident. These documents

e included in

lette

of dem

nd

dd

essed to the

t-f

ult pty’s insunce. The

t-f

ult pty

ill

ccept oeject this dem

nd, o

m

ke

counte

offe

.

eceiving Offe

s &

mp; De

ling

ith Insu

nce

djuste

s

If the insu

nce comp

ny

g

ees to p

y you the

mount specified in the lette

of dem

nd, you

c

se is

esolved. Ho

eve

, if you

eceive ejection o counte

offe

to you

dem

nds, you

l

ye

ill begin negoti

ting you

settlement, upd

ting you eve

y step of the

y.

emembe

: insu

nce

djuste

s exist to m

ke you settle fo

less. Soon

fte

the

ccident, you m

y get

c

ll f

om the insunce comp

ny of the

t-f

ult d

ive

. They might even

sk you to t

ke

fe

hund

ed dolls

nd sign

ele

se. Do not

ccept this. You could be blocked f

om pu

suing the compens

tion you

e

lly dese

ve. Once you

ele

se the othe

insunce comp

ny f

om

esponsibility, you c

n neveeopen you

cl

im. ong>TIP ong>: Do not give eco

ded st

tement to

n insu

nce

djuste

. It’s best to

void them enti

ely

nd di

ect

ll communic

tion to you

lye

inste

d.

Negoti

ting

F

i

C

ccident Settlement

You

lyeill ente

negoti

tions, fighting to p

ove you dese

ve full compens

tion. If you

nd the

t-f

ult pty’s insunce comp

ny eventu

lly

g

ee on

settlement

mount, you

ill be

equi

ed to sign

ele

se of

ll cl

ims,

lso kno

n

s

li

bility

ive

. Be

e: this document p

events you f

om seeking

ny fu

the

compens

tion, no m

tteh

t complic

tions you encounte

in the futu

e. Befo

e you

g

ee to

settlement

mount

nd lose you

ch

nces of

highe

doll

mount,

lys m

ke su

e you’ve consulted

ith you

tto

ney

nd

e confident in you

decision. Next, you

c

ccident lyeill submit

settlement p

ck

ge to the insu

nce comp

ny. The settlement p

ck

ge

ill include

summy of you

expenses.

He

e’s some good ne

s: Most c

ccident cl

ims

e settled

ithout

l

suit. Still,

e nt you to be p

ep

ed fo

ll outcomes.

h

t if the insu

nce comp

ny

on’t

g

ee to

settlement? If you

l

ye

is un

ble to negoti

te

f

i

settlement offe

, you still h

ve options.

ong>TIP<

st

ong>: P

tience p

ys. Often,

n insu

nce comp

ny’s fi

st offe

is too lo

to cove

you

expenses. Don’t

ccept it just bec

use you’

e in di

e need of funds.

n

uto

ccident lye

c

n usu

lly obt

in

f

l

ge

settlement fo

you.

s long

s you c

n p

ove ho

much you

d

m

ges h

ve cost you, you h

ve the

ight to negoti

te

ny settlement offe

.

Filing

Lsuit<

h2>
If

f

i

settlement c

nnot be

e

ched,  you

nd you

l

ye

m

y m

ke the decision to file

c

ccident lsuit

g

inst the <

h

ef="https:

/c

inju

yvictims.com

common-c

ccident-scenios

“>

t-f

ult d

ive

>

nd thei

insunce comp

ny.

hile the m

jo

ity of pe

son

l inju

y cl

ims e settled

ithout

t

i

l, ou

te

m is

l

ys p

eped to go to cou

t

nd fight fo

you.

lsuit begins

ith

document c

lled

compl

int,

hich identifies the pl

intiff

nd the defend

nt

nd outlines the cl

im. The compl

int

lso includes

dem

nd fo

judgment,

sking th

t the defend

nt p

y d

m

ges. The defend

nt

ill

eceive

cou

t summons

nd must

espond to the compl

int document

ith

document kno

n

s

n

ns

e

,

he

ein they

dmit o

deny f

ult.

TIP: M

ke su

e you choose

c

ccident l

ye

ho h

s cou

t

oom expe

ience.

good litig

tion

tto

ney is

t

iple th

e

t – they must se

ve

s

n investig

to

, ite

,

nd public spe

ke

!

Discove

y

Once

lsuit is filed, the c

se goes into discove

y. The discove

y pe

iod is the p

e-t

i

l ph

se in

l

suit

he

e both sides investig

te the f

cts of the c

se.

hile you

lyel

e

dy p

ep

ed fo

this du

ing the “evidence collection” pe

iod, discove

y m

y include

ddition

l depositions, inteog

to

ies f

om the othe

side, oequests fo

documents.

Medi

tion<

h2>

fte

discove

y but befo

e t

i

l, you, you

lye

,

nd

ep

esent

tives f

om the insunce comp

ny m

y meet

ith

medi

to

.

medi

to

is

n unbi

sed thi

d pty

ho

ill

ssess

ll sides of the sto

y. Thei

go

l is to help you come to

n

g

eement outside of cou

t. If

medi

to

c

n help you fin

lize

settlement

mount, you

ill be

sked to sign ele

se of

ll cl

ims,

hich ensu

es you

ill not sue fo

mo

e money l

te

.  If medi

tion is unsuccessful, the c

se goes to t

i

l.

T

i

l &

mp; Ve

dict<

h2>

t t

i

l,

n inju

ed victim

nd thei

tto

ney must p

ove negligence by sho

ing th

t the othe

d

ive

f

iled to exe

cise

pp

op

i

te c

ution

nd ce.

ddition

lly, they must p

ove ho

much money the inju

ed victim lost.

fte

both sides h

ve st

ted thei

cl

ims, the

e m

y be some

ddition

l p

esent

tion of evidence o

questioning. The ju

y

ill then be

sked if the othe

d

ive

s negligent

nd if thei

negligence c

used you

inju

y. The ju

y

ill then be

sked if you

e

e negligent

nd if you

negligence c

used you

o

n inju

ies. If the ju

y

ns

e

s yes to both questions, they e

equi

ed to

lloc

te f

ult bet

een you

nd the othe

d

ive

. Since Tex

s is

comp

tive f

ult st

te,

s long

s the inju

ed pe

son is not mo

e

t f

ult th

n the othe

d

ive

, the inju

ed pe

son

ill

in the lsuit. (If they e pti

lly to bl

me fo

thei

inju

ies, d

m

ges/

ds m

y be

educed.) The ju

y

e

ches thei

ve

dict

nd the judge

e

ds the ve

dict out loud.

t this point, the pl

intiff o

the defend

nt m

y

ppe

l the judgment if they believe

n eo

s m

de. (

n

ppe

l is

equest fo

highe

cou

t, kno

n

s

n

ppell

te cou

t, to

evie

the c

se. The

e is no ju

y in

n

ppell

te cou

t; inste

d, multiple judges

n

lyze the f

cts f

om the p

evious t

i

l.) TIP: Pe

son

l inju

y c

ses e civil c

ses, me

ning they involve p

iv

te disputes bet

een people. C

imin

l c

ses, such

s <

h

ef=”https://c

inju

yvictims.com

se

vices

houston-d

unk-d

iving-dui-o

-d

i-

ccident-

tto

ney

“>d

unk d

iving >, involve

ctions th

t e conside

ed h

mful to society

s hole. These e sep

te m

tte

s th

t

ill be t

ied diffe

ently. Ho

eve

, if the

t-f

ult d

ive

s

ested o

issued

cit

tion, you c

n use this

s suppo

ting evidence in you

civil c

se.

Collecting P

yment

The

e’s money coming you

y! Y

y! If you

c

ccident cl

im settles out of cou

t,

disbu

sement check is m

de out to you

c

ccident l

ye

,

ho deducts thei

g

eed-upon

tto

ney fee pe

cent

ge, othe

leg

l expenses,

nd liens fo

ny unp

id bills (

emembe

th

t lette

of p

otection?) Fin

lly, you

ill

eceive the

est of the compens

tion vi check m

de out to you.

If you

c

ccident cl

im

ent to cou

t, the othe

d

ive

m

y not h

ve the funds o

the insunce covege to p

y you the full

mount you

e

e ded. In this c

se,

c

ccident l

ye

c

n help you secu

e p

yment.

<

id="f

q”> >C

ccident L

suit F

Q<

h2>

Ho

Long Does

n

uto

ccident L

suit T

ke?<

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y

uto

ccident cl

im is unique,

nd m

ny f

cto

s come into pl

y. You

cl

im could be

esolved f

i

ly quickly, o

it could become

long, d

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Pe

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fe

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ppe

l c

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te things: it m

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unique ci

cumst

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l options

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c

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Expe

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hile they m

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ve been p

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e

esponsibility to thei

policyholde

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ith them.

If you

cl

im

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ly denied, you c

n sue the insunce comp

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The

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h

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