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Traffic collisions are a scary and stressful situation to find yourself in—especially if you suffered significant injuries. Though you can file a car accident and personal injury claim to help recover the costs associated with your damages, dealing with insurance companies and the legal system can be a confusing process. For residents in Sparta, WI, the legal team at Osborne, Tripp & Schmidt offer effective counsel and representation; below, they discuss some of the most frequently asked questions they receive to clarify a few aspects.

Understanding Personal Injury Claims

1. Can I Recover Damages if I Don’t Have Insurance Coverage?

If you were involved in a collision that wasn’t your fault, you still have the right to file a claim regardless of your insurance status. The other driver had a responsibility to operate their vehicle with a duty of care that prevents putting others in harm’s way. If they breached this duty by acting negligently, your claim will hold them legally liable.

2. What Compensation Am I Entitled To?

accidents and personal injuryThe amount you’re entitled to recover in car accident and personal injury claims will depend on the severity of the damages. Usually, insurance companies want to settle for as little as possible. An attorney can assess your injuries and property damage to accurately determine how much your case is worth.

3. Can the Other Insurance Company Go Against the Police Report & Deny My Claim?

Insurance companies act in the best interests of their client and will often take their word over yours if they dispute your claim of liability. Despite the police report corroborating your account of the incident, an insurance adjuster will look for ways to discredit your version of events and may deny your claim in doing so. If this happens, it’s crucial to have an attorney review your case to identify if you have grounds for a lawsuit.

4. When Should I Settle My Claim?

You never want to settle your claim until you’ve consulted with an auto accident lawyer. They will ensure the insurance company isn’t offering you a settlement that’s much lower than what you’re entitled to. Before accepting an offer, you should understand the full extent of your injuries and the treatment you will need so you get enough to cover these costs.

The more you know about car accident and personal injury claims, the more confident you will be to handle insurance adjusters and maximize your compensation award. To discuss your case with an experienced attorney, contact Osborne, Tripp & Schmidt at (608) 269-2400. You can also visit them online for additional information about them and the legal services they provide. 

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