What is the purpose of filing an auto insurance claim after an accident in Red Oak?

Red Oak, LA – All drivers in Louisiana and other parts of the country need to have auto insurance. This is meant to help cover the costs of any damage that is caused by a car accident. Coverage for other types of losses can be purchased as well, but only basic liability coverage is required by law. However, drivers are required to report all crashes to their insurance provider, whether they will receive compensation or not. In addition to making an insurance claim, anyone who needs to do so can speak with an attorney if they are not satisfied with the insurance process. 

Policy requirements

All auto insurance policies require drivers to report accidents after they happen. This is for a number of reasons, but most importantly, anyone who has property damage or sustained injuries can start the process to receive compensation through their insurance by filing a claim. The company will send an adjuster to verify the damage in some cases after the report. The insurance company of the person at fault will normally offer a settlement amount, with the maximum being whatever the relevant policy limit is. 

Accident lawsuits

Even after the insurance companies have been contacted and notified of an accident, it may still be necessary to file a civil lawsuit for compensation. This is because an insurance company can offer a small amount for a settlement, the claim may be denied, or there may be disputes about fault. A personal injury case that is based on the principles of negligence argues that the party at fault is responsible for all losses related to the accident. If the plaintiff is successful, the defendant’s insurance company may cover their damages if they have a relevant policy. It is also possible for the victim’s attorney to negotiate for an amount that is larger than what the insurance provider was willing to pay out. 

Compensation amounts

The compensation of a settlement that is obtained through a lawsuit or insurance can vary for a number of different reasons. In most cases, the most significant aspect of compensation is the person’s medical bills and lost wages while they recover and take time away from work. It is also possible that the victim will ask for non-economic compensation related to their physical pain and emotional suffering. There may also be punitive damages available if reckless or malicious behavior is involved.  

Advice from an injury attorney in Louisiana

Miller, Hampton, and Hilgendorf is an accident firm that assists with civil lawsuits in the Red Oak area and other parts of Louisiana. Anyone who needs help with the process to bring a case can meet with their attorneys for advice. 

Firm contact info:

Miller, Hampton, and Hilgendorf

3960 Government St., Baton Rouge, LA 70806



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