Do I Have to Go to Court for a Car Accident?

If you have been injured in a car accident, that doesn’t necessarily mean we will need to bring your case to court to obtain the compensation you deserve. We will take certain steps, such as negotiating with the insurance company, before we resort to a trial.

Going to court is usually the last option we have to secure the compensation you are entitled to, but it can become necessary in certain situations.

Negotiations with the Insurance Company

After your car accident, we will be in touch with both your insurance company and that of the liable party to determine coverage and policy limits. Both insurers are going to attempt to minimize their level of responsibility to cover the damages tied to the wreck.

Insurance plans will typically cover damage done to the vehicle and a portion of the medical bills you incur from your injuries. That does not mean, however, that the insurance company is going to be willing to just cover these costs. The more blame insurers can place on you for the crash, the less they may need to settle for.

We will push the at-fault driver’s insurer to cover your damages in full by gathering evidence to prove your story and show the negligence of the driver who harmed you. This is often successful, but some insurers are stubborn.

Appealing a Denied Claim

In some cases, the insurance companies will deny your claim. They have the right to do so if paperwork hasn’t been filed correctly or if there was a lapse in coverage on your part or that of the at-fault party. But we also have the right to file an appeal if your claim was denied wrongfully.

Before we go to court, we will likely appeal the denial and see if we can come to a fair and reasonable agreement with the insurance company.

If the insurer is steadfast in its decision to deny you the compensation you’re entitled to, or in the event that your damages exceed the insurance policy limitations, we will probably need to go to court to win the full amount you deserve from the negligent party.

Contact an Indianapolis Car Accident Lawyer

For more information about how to move forward with a claim to obtain the compensation you are entitled to, reach out to a qualified Indianapolis car accident lawyer with Kooi Law today. You can schedule a free claim evaluation by filling out the contact form we’ve provided below or by giving us a call at (317) 569-1335.