
Dealing with a car accident can be stressful enough, but having to navigate the insurance claim process on top of it can be overwhelming. A car accident insurance claim lawyer can help simplify the process and get you the compensation you deserve.
Insurance companies often try to lowball or deny claims, but an experienced lawyer can help you understand your policy and fight for your rights. According to the article, insurance companies are required to provide a detailed explanation of the denial or reduction of a claim.
A skilled lawyer can also help you gather evidence and build a strong case to support your claim. This can include medical records, police reports, and witness statements, which can be crucial in proving the extent of your injuries and the liability of the other party.
Don't let the insurance company take advantage of you - a car accident insurance claim lawyer can help you get the justice you deserve.
Client Success Stories

At Morgan & Morgan, they've helped countless clients achieve justice and fair compensation for their car accident injuries. Their success stories are a testament to their dedication and expertise.
Over 55,000 5-star reviews and 800 client testimonials demonstrate the trust people have in Morgan & Morgan. This is a remarkable achievement, showing that their clients are satisfied with the results they've achieved.
Here are some notable cases where Morgan & Morgan secured significant settlements for their clients:
These cases showcase the firm's ability to handle complex and serious cases, securing substantial compensation for their clients.
What Your Advisor Does
Your advisor, in this case, a car accident lawyer, plays a crucial role in helping you navigate the complexities of your insurance claim. They can communicate with the other driver's insurer to ensure a smooth process.
A car accident lawyer can also obtain the necessary evidence to prove fault for the accident. This may involve gathering information from various sources.

Your lawyer will work with your doctors to make sure they provide the medical information you need to prove damages in your claim. This is especially important when dealing with complex medical records and bills.
Here are some of the specific tasks your car accident lawyer can perform:
- Communicate with the other driver's insurer
- Obtain necessary evidence to prove fault for the accident
- Organize medical records and bills
- Communicate with healthcare providers to obtain missing records
- Negotiate with lien holders to reduce the amount of those liens
- Negotiate a satisfactory settlement with the insurance adjuster or defense attorney
Your lawyer's goal is to present the evidence in a clear and convincing way to prove liability and damages. This can help you get the compensation you deserve.
Gathering Evidence
Gathering evidence is a crucial step in building a strong car accident insurance claim. A good lawyer will help you gather the right evidence to prove liability.
Your lawyer will go back to the accident scene to see what it looks like and get all the accident or police reports in the case. They will also speak with the investigating police officers and witnesses.
A picture may be worth a thousand words, but actually seeing the scene can be worth a thousand pictures. Your lawyer will make sure to get all the evidence you need to prove liability.

Here are some ways your lawyer can gather evidence:
- Compiling pictures you took at the accident scene
- Accessing and reviewing the police reports
- Going back to the scene to investigate and take photographs
- Reviewing video evidence
- Getting copies of accident reports
- Collecting witness statements
- Collecting any other relevant evidence that is specific to your car accident case
Gathering compelling evidence helps set you up for success in the claims process and negotiation. It's not just about dealing with the insurance company, but also about proving your case and getting fair compensation.
Establishing Losses (Damages)
Establishing losses (damages) is a crucial part of a car accident insurance claim. A good lawyer can be essential to your case, especially when you've suffered significant car accident injuries.
You'll need to document the nature and extent of your compensable losses. This includes medical bills, records, and receipts for any property damage you suffered.
Your personal injury lawyer will help you collect documentation of all expenses related to your injuries. This may include requesting medical records, hospital bills, and receipts for prescriptions and therapy.
To prove your damages, you'll need to show that they directly resulted from the car accident caused by the negligent driver. This means you'll need to provide evidence of the accident and its impact on your life.

Here are some examples of compensable losses:
Your car accident lawyer can help you assess your damages and use this information in settlement negotiations with insurance companies.
Negotiating with Insurers
Negotiating with insurers can be a daunting task, especially if you're not familiar with the process. A personal injury lawyer is usually far better at settling a car accident case than a layperson.
Insurance companies are businesses that care about their bottom line, so they'll look for ways to reduce compensation for injuries. They might send you a small settlement offer or deny your claim completely.
If the insurance company sends you a counteroffer settlement amount, your lawyer will help you negotiate for a fair settlement. This is where having a skilled lawyer makes a big difference.
Here are the possible outcomes when you file your injury claim with the at-fault driver's insurance company:
- Accept your claim and pay what you’re requesting for compensation
- Deny your claim for compensation for your accident injuries
- Send you a counteroffer settlement amount
Insurance companies are responsible for paying for property damage, including repairs and rental car costs. If your car was damaged beyond repair, they'll pay you for what your car was worth.
Hiring an Attorney

Hiring an attorney is a crucial step in navigating the complex process of a car accident insurance claim. You should start by asking friends, family, and colleagues for recommendations, and conducting an online search to find a reputable attorney.
Consider the attorney's experience with personal injury cases, particularly car accident injury cases, as well as their ratings from reliable online resources. You should also look for information about their membership in organizations, awards, and publications.
When evaluating potential attorneys, ask questions such as whether they have experience handling car accident cases like yours, and how much trial experience they have. Most car accident cases settle, but it's essential to have an attorney who can take your case to trial if necessary.
You should also ask about the attorney's fee structure and who will handle your case. Some attorneys may have associates handle most of the day-to-day tasks, while the attorney steps in for trial or settlement negotiations.

Here are some key questions to consider when hiring a car accident attorney:
- Does the attorney have experience handling car accident cases like yours?
- How much trial experience does the attorney have?
- Who will actually handle the case?
- What is the attorney's fee structure, and who pays for litigation costs?
Ultimately, you want to find an attorney you feel comfortable with and who you can trust to effectively represent your interests. Don't hesitate to ask questions and seek a second opinion if needed.
Next Steps After an Incident
After a car accident, it's essential to understand your options and what to expect. The driver who was at fault for the accident is typically responsible for the resulting damages, and their insurance company may be required to compensate the other parties involved.
To get a fair settlement, you'll need to understand the insurance claim process. This involves filing a car insurance claim and understanding how third-party insurance claims work after a car accident.
You have legal rights that entitle you to compensation if you can establish that the accident was caused by the recklessness or negligence of another. This could include factors like drunk driving, driving while tired, and texting while driving.

If you've been injured in a car accident, seeking professional medical treatment for your injury is crucial. You should also contact an experienced personal injury attorney to help protect and assert your legal rights.
Here are the steps to take immediately after a car accident:
- Ensure Safety: Move to a safe location, if possible, and check for injuries. Call 911 if needed.
- Document the Scene: Take photos of the vehicles, the surrounding area, and any visible damages.
- Exchange Information: Get the names, contact details, and insurance info of the other driver(s).
- File a Police Report: Always contact the police to file an official report, even if the accident seems minor.
- Notify Your Insurance Company: Report the accident to your insurer as soon as possible, providing all relevant details.
- Seek Medical Attention: Even if you feel fine, see a doctor. Some injuries don’t show up immediately.
By following these steps, you'll set yourself up for a stronger claim and help avoid complications down the line.
Why You Shouldn't Handle Companies Alone
Dealing with insurance companies alone after a car accident can be a daunting task, especially if you're not familiar with the process. Insurance companies often use shady tactics to avoid paying what you deserve.
They might contact you and feign concern, making you feel like you can trust them, but it's essential to remember that their goal is to resolve your claim quickly and with as little expense to them as possible. This means they may try to intimidate you or make you feel like their first offer on your injury claim is the best you deserve.

In most cases, it's not a good idea to deal with insurance companies on your own, especially if you have significant injuries and vehicle damage. Insurance companies know you are vulnerable after an accident.
Here are some reasons why you shouldn't handle the insurance companies alone:
- They have entire teams of insurance adjusters and attorneys ready to analyze your accident insurance claim.
- They know you are vulnerable after an accident.
- They may do everything they can to strip you of your right to compensation or convince you to accept a lump sum amount that is significantly lower than what you could receive with the help of an attorney.
By hiring a skilled car accident lawyer, you shift the power back to you. A car accident lawyer will deal with the insurance details on your behalf, so you can focus on getting better.
Dealing with Companies
Dealing with insurance companies after a car accident can be a daunting task. They're not on your side, and their goal is to resolve your claim quickly and with as little expense to them as possible.
You have every right to deal with the insurance company on your own, but it's not always a good idea, especially if you have significant injuries and vehicle damage. Insurance companies know you're vulnerable after an accident.

Here are some key things to keep in mind when dealing with insurance companies:
- Take photos of the accident scene, vehicle damage, and any visible injuries. These can serve as crucial evidence to back up your claim.
- File a police report after an accident. It provides an official account of the incident and can be critical in proving who was at fault.
- Keep detailed records of doctor visits, treatments, and bills if you've been injured. This will help demonstrate the extent of your injuries and the costs involved.
A car accident lawyer can deal with the insurance details on your behalf, so you can focus on getting better. They know how to handle insurance companies and won't be afraid to fight for your rights to maximum compensation.
Represent the Company
You don't have to talk to the other company's representative directly, especially after an accident. Your lawyer can speak on your behalf.
You can give the company your lawyer's number and let them know all communications go through your attorney. This will help keep you from saying something that might hurt your case.
Your lawyer will know how to deal with the company's adjuster, which is crucial for negotiating a fair settlement. They'll also help you avoid giving recorded statements or admitting fault until you're ready.
Tactics for Denying Claims
Dealing with companies can be a frustrating experience, especially when they try to deny your claims. Insurance companies are businesses focused on minimizing their payouts, so they often use various tactics to reduce or deny the compensation you deserve.

One common tactic is to intentionally drag out the claims process, hoping you'll give up or accept a lower offer just to move on. This is known as a delay tactic.
Insurance companies may also offer you a settlement that's much lower than what your claim is worth, known as a lowball offer. They'll often make this offer early on, hoping you'll accept it quickly.
Policy exclusions are another tactic used by insurers. They'll claim that your policy doesn't cover certain damages or situations, often citing fine print.
Blame shifting is a common tactic used by insurers to place blame on you, even when the accident wasn't your fault. They might claim that your injuries were pre-existing or that the accident wasn't as severe as you say.
Here are some common tactics used by insurance companies to deny claims:
- Delay Tactics: Intentionally dragging out the claims process
- Lowball Offers: Offering a settlement that's much lower than what your claim is worth
- Policy Exclusions: Claiming that your policy doesn't cover certain damages or situations
- Blame Shifting: Placing blame on you, even when the accident wasn't your fault
Recovering Damages
To recover damages from a car accident, you'll need to prove that the other driver was at fault and that you suffered damages as a direct result. Your car accident lawyer can help you collect documentation of expenses related to your injuries and property damage.

You can be entitled to financial compensation for lost wages, medical expenses, future medical treatment, property damage, pain and suffering, and burial and funeral costs in the event of a wrongful death. Punitive damages may also be awarded as punishment to the negligent driver.
Your car accident lawyer can assess your damages and use this information in settlement negotiations with insurance companies. The average settlement for a car accident case doesn't apply, as the amount is specific to your case.
Here are some examples of damages you may be eligible to recover:
Your car accident lawyer can explain what you're eligible to receive and help you navigate the process of recovering damages.
Punitive Damages
You may be able to recover punitive damages if you can prove the at-fault driver was negligent or reckless.
Punitive damages are awarded as punishment to the negligent driver for their actions. Your car accident lawyer can explain what you're eligible to receive.

In cases where the at-fault driver was driving recklessly or while impaired by alcohol or drugs, punitive damages are commonly sought.
Punitive damages are in addition to compensatory damages, which cover things like lost wages, medical expenses, and property damage.
You might be eligible to receive punitive damages if the at-fault driver's actions were particularly egregious, such as driving under the influence of alcohol or drugs.
Punitive damages are intended to punish the at-fault driver for their behavior and deter others from engaging in similar conduct.
Importance of Documentation
Having proper documentation is crucial when dealing with a car accident insurance claim. It's the key to a successful claim.
Taking clear photos of the accident scene, vehicle damage, and any visible injuries is essential. These photos can serve as crucial evidence to back up your claim.
A police report is always necessary after an accident. It provides an official account of the incident and can be critical in proving who was at fault.
Medical records are vital if you've been injured. Keeping detailed records of doctor visits, treatments, and bills will help demonstrate the extent of your injuries and the costs involved.
The more thorough your documentation, the stronger your case will be.
LaMarca Law Group Help

LaMarca Law Group, P.C. has years of experience reading insurance policies and representing clients seeking to be compensated by insurance companies.
They can help with filing an initial claim for personal injury or property damage.
You may need an attorney that is familiar with car insurance claims to help you figure out what should be covered under your policy.
LaMarca Law Group, P.C. can appeal the denial of a claim, or a partial payment of a claim.
They can also negotiate a fair settlement.
If necessary, they can take your case to trial.
At LaMarca Law Group, P.C., they believe that insurance companies should fulfill the obligations of their contracts, and when they fail to do so, they must be held liable.
Here are some of the ways they can help with your car insurance claim:
- File an initial claim for personal injury or property damage
- Appeal the denial of claim, or a partial payment of a claim
- Negotiate a fair settlement
- Take your case to trial
Types of Auto Cases
Car accidents can happen due to various factors such as human error, mechanical failure, adverse weather conditions, or road hazards. Car accidents can result in varying degrees of damage to vehicles, injuries to occupants, and even fatalities.

Rear-end collisions are a common type of car accident, often caused by sudden braking or tailgating. They can happen on any road, but are more likely to occur on highways.
Head-on collisions are among the most severe types of car accidents, often resulting in severe injuries or fatalities. These accidents can happen on any road, but are more likely to occur on rural roads.
Side-impact collisions, also known as T-bone accidents, commonly occur at intersections. They can be caused by running a red light or stop sign, or by failing to yield to other traffic.
Sideswipe collisions occur when the sides of two parallel-moving vehicles make contact with each other, often due to improper lane changes or drifting. They can happen on any road, but are more likely to occur on highways.
Single-vehicle accidents can include running off the road, hitting a stationary object, or overturning. These accidents can happen due to various factors, including driver error or mechanical failure.
Multi-vehicle pileups, also known as chain reaction collisions, involve three or more vehicles colliding with each other in a series of impacts. They can happen on highways or in dense traffic.

Rollover accidents occur when a vehicle tips over onto its side or roof, often due to sharp turns, high speeds, or collisions. They can be caused by driver error or mechanical failure.
Here are some examples of auto cases we handle:
- Sustaining injuries in a car accident
- Sustaining property damage in a car accident
- Sustaining damage to your car during inclement weather
- Sustaining damage to your car due to vandalism or a break-in
- Losing your car to theft
Rights After an Incident
In North Carolina, the driver who causes an accident is typically responsible for the resulting damages. This means their insurance company may have to compensate the other parties involved.
Thousands of people are killed or seriously injured in auto accidents every year. If you're the victim of a motor vehicle accident, it's essential to speak with an attorney about your legal rights and options.
North Carolina follows a fault-based system, which can be beneficial if you're not at fault. However, if you're found to be partially at fault, you may be barred from recovering damages.
The insurance company should pay you a lump sum for all expenses related to the accident. But in many cases, this isn't enough to cover your losses.
Tactics for Denying Claims

Insurance companies often use tactics to deny or reduce the compensation you deserve after a car accident. One of the most frustrating tactics is delay tactics, where insurance companies intentionally drag out the claims process to make you give up or accept a lower offer.
Insurance companies may also offer lowball settlements that are much lower than what your claim is worth. This is often their first offer, hoping you'll accept it quickly. I've seen clients accept lower offers just to move on, only to realize later they could have gotten a fairer payout.
Policy exclusions are another common tactic. Insurers may claim that your policy doesn't cover certain damages or situations, such as specific types of accidents or weather-related incidents. They'll often try to argue exclusions in fine print, making it hard to understand what's really going on.
Insurance companies may also try to shift the blame onto you, the driver, even when the accident wasn't your fault. They might claim that your injuries were pre-existing or that the accident wasn't as severe as you say.

Here are some common tactics insurance companies use to deny claims:
- Delay tactics: intentionally dragging out the claims process
- Lowball offers: offering settlements that are much lower than what your claim is worth
- Policy exclusions: claiming that your policy doesn't cover certain damages or situations
- Blame shifting: trying to place blame on you, the driver, even when the accident wasn't your fault
Frequently Asked Questions
What are most lawyer fees for a car accident?
Most personal injury lawyers charge a contingency fee of 33-40% of the total settlement or verdict amount. This means you won't pay upfront costs, but your lawyer's fee will be deducted from your final compensation.
What type of lawyers deal with car accidents?
Personal injury lawyers, also known as car accident lawyers, specialize in handling cases involving car accidents and seeking compensation for injured parties. They can provide expert guidance and support to help you navigate the process.
Sources
- https://www.forthepeople.com/practice-areas/insurance-attorney/car-insurance-disputes/
- https://www.nolo.com/legal-encyclopedia/how-attorney-can-help-with-your-car-accident-claim.html
- https://www.johnfoy.com/faqs/will-my-car-accident-lawyer-deal-with-the-insurance-company-for-me/
- https://www.lanierlawgroup.com/practice-areas/car-accidents/
- https://www.youriowalawyers.com/des-moines-insurance-lawyer/auto-insurance-claims/
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