After a car accident, you may not think about insurance and filing a claim right away. If you suffered injuries, then it may take even longer for you to get yourself together to start worrying about the details of the accident and handling any insurance needs. You may not even want to deal with it because of the emotional and psychological toll an accident can take on you.
The reality is that you need to make your insurance claim as soon as possible, according to Forbes. The other party’s insurer will probably contact you or your insurer.
Dealing with insurance
If the other party does not have insurance, you will go through your insurer if you have collision and comprehensive coverage. Your insurance company will usually handle the recovery of the money it pays to you. However, if the other party does have insurance, you will have to negotiate a settlement with his or her insurer.
Keep in mind that all insurance companies have a main goal of restricting the amount of money they pay out. You have to go into any negotiations understanding that you have to advocate for yourself. Relying on your insurer to do that may not always be the best option.
Waiting for the settlement
While you need to file your claim as soon as possible after an accident to get things moving, you may not see a settlement for quite some time. Insurance companies will do a lot of investigating. They will need to wait on the report from law enforcement and talk with everyone involved in the accident. It can be a long process to get to the settlement.
If you cannot negotiate a settlement or the other party does not have insurance, then you will likely need to file a lawsuit to recover all the damages due to you. According to the Connecticut General Assembly, you have a time limit you must abide by to file a personal injury lawsuit. For the court to consider your claim, you need to file your case within two years of the accident.