It’s an unfortunate reality that auto accidents occur more often than they should. Not only are they dangerous to those in vehicles, but to pedestrians as well. Hundreds of people die in car crashes every year and thousands are injured. If you have been the victim of a car accident, there’s no reason you should suffer in silence.
The time directly following a car accident is stressful for all parties involved. However, this is also the most important time for collecting information. If you have been injured or if your property has been damaged in a car accident, collecting information for a car accident attorney in Rockford, IL, is going to be your first step in pursuing the compensation owed to you.
Call an accident attorney in Rockford, IL, such as one of the team members here at American Law Firm, and we can help get you started in building your case.
What May Cause a Car Accident
No two car accidents will ever be the same. However, there are many commonalities between car accidents that should not be ignored. Some common causes of car accidents may include:
- Distracted driving, including cell phone usage
- Speeding
- Drowsy Driving
- Intoxicated Driving
- Motor Vehicle Defects
- Reckless Driving
- Bad Weather Conditions
What to Do After an Accident
If there are any serious or potentially life-threatening injuries, immediately call an ambulance. In most cases, it will be necessary to call the police as well. If you have not been seriously injured but have been in an accident, be sure to get photographic evidence of the accident site.
After that, the most important step is collecting insurance and contact information from the other driver. Meanwhile, gather all relevant documents to prove you aren’t the at-fault driver. Be sure to file a claim with your insurance company at the first possible chance. After the claim is opened, an investigation will begin into who is at fault for the accident. Be sure you receive a copy of the insurance claim, as well as a copy of the initial police record.
It’s also important to contact an accident attorney in Rockford, IL, as quickly as possible. An attorney can help build your case and ensure you get the compensation you deserve. Your car accident attorney can also assist in filing your claim so long as you provide them with complete information.
How Long Do I Have to File a Claim?
It’s important to note the statute of limitations is different for every state and every insurance company has different reporting requirements. Typically, a police report should be filed immediately after the accident and no later than seven days. Meanwhile, a personal injury claim should be made to your insurance company no more than two years after an accident, while property claims should be filed within three years. To learn more about the exact timeline in which you must report a claim, check with your insurance carrier.
What Will My Car Insurance Cover?
Immediately following your accident, your insurance company will cover any injuries and repairs until fault has been determined. If the other driver is determined to be at fault, their insurance company will pay your insurance company any medical and repair costs. Insurance companies will require documentation, such as medical bills, that will help in proving the validity of claims. They may also ask for permission to access medical records. Allowing them to access medical records can have a significant impact on one’s claim. This is why it’s advisable to have an auto accident lawyer in Rockford, IL, so you know your rights in these situations. Be aware there are also typically restrictions in the car repair process. Insurance companies may have requirements, such as using an auto repair shop they have approved and you may be required to go to several shops to compare estimates.
What Compensation Will I Receive?
Each car accident is different, and compensation is never guaranteed. This is why it’s important to contact a car accident attorney in Rockford, IL, such as a member of our team at American Law Firm, to discuss your case.
