Even when a car accident victim files an insurance claim, they may still need to pursue a lawsuit. This process is pervasive in cases where the at-fault driver’s insurance company offers an insufficient settlement, or disputes arise about who was at fault. 

Sometimes, the at-fault driver might be uninsured, making it impossible to recover compensation through insurance alone. Filing a personal injury lawsuit is often necessary to ensure victims receive adequate compensation for their injuries, lost wages, medical bills, property damage, and pain and suffering.

Suing after an auto accident can feel overwhelming. Still, it is often the best option for victims who want to secure full compensation, especially when injuries are severe or fault is disputed.

Understanding Your Legal Options After a Car Accident

After an accident, the first and most important step is to seek medical attention. Even if your injuries seem minor, some conditions, such as internal bleeding or concussions, may not show symptoms immediately. Also, medical records are critical evidence of any personal injury claim or lawsuit.

Once your health is stabilized, gather as much evidence as possible from the accident scene. Take photos of the vehicles, the road conditions, and any visible injuries. If there are witnesses, collect their contact information and, if possible, get a copy of the police report. 

It is also essential to notify your insurance company, but be cautious about making any statements that could be interpreted as admitting fault.

If the at-fault driver’s insurance company offers a low settlement or denies your claim, pursuing legal action may be the next step. A personal injury lawyer will help you understand your legal options and can guide you on whether it makes sense to sue.

Dealing with Insurance Companies Before Suing

Insurance companies are in the business of minimizing payouts, which means they may not always offer what your claim is truly worth. Before considering a lawsuit, it’s common to negotiate with the at-fault driver’s insurer. However, without legal expertise, understanding the insurance coverage for all your damages can be difficult.

This step is where experienced personal injury attorneys can help. They specialize in assessing the total cost of an accident, including medical bills, lost wages, future treatment needs, and non-economic damages like pain and suffering. 

They also understand state laws and how insurance policies can limit or expand what can be claimed. If the settlement offer falls short of covering these expenses, a lawsuit may be necessary to secure a fair outcome.

Protecting Your Legal Rights and Interests

Car accident victims can protect their legal rights by taking proactive steps early. Working with an attorney from the start can ensure that proper documentation is gathered and that no crucial deadlines are missed. 

One common mistake victims make is speaking too openly with insurance adjusters or signing a settlement agreement too quickly, which can harm their ability to pursue additional compensation later.

Additionally, victims have options when the at-fault party lacks adequate insurance. In such cases, they may claim compensation through their own insurance company, using their policy’s underinsured or uninsured motorist coverage. 

Understanding how to navigate these claims is essential, and an experienced lawyer can provide guidance on whether this route is available and advisable in your case.

Hiring a Car Accident Attorney to Handle Your Case

Hiring an experienced car accident attorney is one of the most important steps you can take to protect your interests after an accident. A lawyer can help you understand your rights, gather and organize the necessary evidence, and negotiate with the insurance company on your behalf.

Moreover, lawyers are skilled at navigating the legal complexities of personal injury cases, such as understanding state negligence laws, insurance policy limits, and procedural rules that could impact your car accident case. By hiring a personal injury attorney, you significantly increase your chances of receiving a fair settlement and, if necessary, winning your case in court.

The Lawsuit Process and What to Expect

If negotiations with the other driver’s insurance company are unsuccessful, filing a personal injury lawsuit is the next step. While this may seem intimidating, your attorney will handle most of the legal work, including drafting the complaint, filing the necessary paperwork, and representing you in court.

The lawsuit process typically begins with discovery, where both sides exchange evidence and information. This step may involve depositions, where witnesses and parties are questioned under oath. Your attorney will engage in settlement negotiations on your behalf. Many cases are resolved during this stage, eliminating the need for a trial.

If a settlement cannot be reached, the case will proceed to trial, where a judge or jury will determine liability and the maximum amount or full compensation owed. Your lawyer will represent you throughout the trial, presenting evidence, questioning witnesses, and making arguments on your behalf.

Determining Liability and Fault in a Car Accident

Determining fault in an auto accident is often a complex process. Each state has its own laws regarding negligence and how fault impacts financial compensation. In some states, if you are found partially at fault for the accident, your compensation may be reduced proportionally.

An attorney can help you understand how fault is determined in your state and what evidence is needed to prove liability. They can also assist you if you share partial fault, ensuring your compensation accurately reflects the other driver’s level of responsibility.

Gathering Evidence to Support a Lawsuit

Evidence is crucial if you want to prove fault and recover damages in a car accident lawsuit. This documentation includes photos from the scene, police reports, witness statements, and medical records detailing your injuries and treatment. 

If the accident involved significant damages, expert testimony, such as that of accident reconstruction specialists or medical experts, may also be required.

Your lawyer will assist in gathering and organizing this evidence, ensuring that your case is as strong as possible. They will also ensure that all necessary documentation is submitted within the legal timeframes, preventing any delays or missed deadlines.

Calculating Damages and Compensation

Victims can pursue compensation for a range of damages when suing after a car accident. These typically include:

  • Medical expenses: Both current medical expenses and likely future costs related to the accident.
  • Lost wages: Compensation for income lost due to time away from work.
  • Property damage: Repairs or replacement costs for the vehicle damage.
  • Pain and suffering: Compensation for the physical and emotional distress caused by the accident.

In some cases, if the car accident was caused by particularly egregious conduct, punitive damages may also be available.

State laws on fault can significantly impact compensation in accident cases. Under contributory negligence, any fault by the victim may bar recovery entirely. In contrast, comparative negligence states reduce compensation based on the victim’s share of fault. These laws come into play when the victim is found partially responsible for the accident.

Filing a Lawsuit and Preparing for Court

Filing a lawsuit and submitting a car accident claim begins with an initial consultation with your attorney. They will review your case, gather evidence, and draft a formal complaint to file with the court. From there, the case will proceed through discovery, depositions, and possibly settlement negotiations. If these efforts fail, the case will go to trial.

It’s essential to be patient during this process, as lawsuits can take time to resolve. Your attorney will keep you informed at every step and work diligently to secure the best possible outcome.

Suing for a Fatal Car Accident or Wrongful Death

In cases where a car accident results in a fatality, surviving family members may be able to file a wrongful death claim. These lawsuits can provide compensation for funeral expenses, loss of companionship, and other damages resulting from the loss of a loved one. 

Wrongful death claims are complex, and an attorney specializing in fatal car accidents can provide guidance and support during this difficult time.

The Time Limits for Filing a Car Accident Lawsuit

Each state has a statute of limitations, which sets a time limit for filing car accident lawsuits. These deadlines vary by state, typically ranging from one to four years. Missing this deadline can result in losing your right to seek compensation. This is why it’s critical to consult with an attorney as soon as possible so you can file a car accident claim promptly. 

Common Mistakes to Avoid When Suing

Car accident victims sometimes make mistakes that can harm their ability to secure fair compensation. Some common pitfalls include:

  • Delaying action: Waiting too long to seek legal advice or file a lawsuit.
  • Accepting a low settlement: Agreeing to a settlement without fully understanding the value of your claim.
  • Failing to gather enough evidence: Not collecting the necessary documentation to prove fault and damages.

By avoiding these mistakes and working with an experienced attorney, you can significantly improve your chances of a successful outcome.

Consult an Experienced Attorney Today!

If you’ve been involved in a car accident, it’s essential to understand your rights and legal options. At Rosenfeld Injury Lawyers, we have extensive experience handling car accident lawsuits and securing compensation for our clients. 

Contact us now for a free consultation at (888) 424-5757 or fill out our contact form.