Claims Process After Vehicles Accident.

As soon as an insurance provider is advised of a car accident a representative will be deputed to handle the case. The first step will be to check that the insurance policy of his client is valid. The adjuster will refresh himself as to the special terms and conditions if any, and the obligations of the insurance provider.

He or she will then proceed to examine details of the accident to determine which driver was at fault. In this process the adjuster will talk to any witnesses, examine the police report and if possible, take relevant photographs. Based on this study the circumstances could pinpoint the driver at fault.

When the claim is made the adjuster will study all the details particularly those pertaining to the cost of repairs to the vehicle and other attendant claims such as medical expenses and bills. Generally there is little dispute in repair costs and medical bills unless these are deliberately inflated. Claim for loss of income will also be scrutinized. The claim for pain and suffering is always a contentious issue. If this is inordinately high the adjuster may have to make further enquiries in the matter.

Based on what the adjuster believes to be a fair settlement an offer will be made. This will be the start of negotiations with the claimant. If both parties are fair and the discourse is amiable, an out-of-court settlement could well be possible. However, if there is no meeting ground than the issue might have to be referred to the courts for settlement. No insurance provider would like a case to go to court so the adjuster will go the extra mile to effect an out-of-court settlement.

It is difficult to project how much time would be required till settlement. If the matter is straightforward and there is little dispute, it may be a matter of weeks. However, if it becomes complex and there are several issues at stake, final settlement could be prolonged.