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smith432 · Joined: 24 May 2012 Posts: 347

To file a car accident injury claim, start by gathering information that the insurance company needs to evaluate a claim. An insurance company requires information on how an accident occurred including police reports and witness statements. The company also needs documentation that proves or describes damages such as medical bills, medical reports, wage statements, and photographs. After all information is collected, you or the your lawyer may send it to the insurance company along with a letter requesting settlement of the car accident injury claim.A car accident injury claim should not be settled prematurely. A person that has suffered physical injuries should reach full or maximum recovery from the injuries prior to settling a claim. If the car accident injury claim is settled before a person has fully recovered, he or she may lose his right to payment of future medical bills from injuries related to the car accident. This can occur because an insurance company will require a person to sign a release of liability agreement upon reaching a settlement; this document will prevent recovery of future claims for damages.

It is also important to understand that you cannot wait too long to settle a car accident injury claim. Each jurisdiction has a statute of limitations relating to car accidents. A statute of limitations sets a fixed period in which to file a lawsuit for a car accident. If the statute of limitations expires before a claim is settled, the insurance company can avoid paying a claim. The statute of limitations for car accidents varies by jurisdiction.

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