Most people imagine that they’ll need to go to court to get compensation for their car accident injuries. In reality, most compensation for car accidents comes from insurance companies—but this doesn’t mean that getting compensation is any easier. While it is possible for anyone to file a claim with an insurance company, the Ohio injury attorneys of Kisling, Nestico & Redick can significantly improve your chances of obtaining the compensation you deserve.
Insurance companies like to portray themselves as looking out for their customers, but in reality, their primary goal is to maximize their profits—just like any other business. This means that an insurance company will deny a claim whenever it can. But your lawyer will be able to gather and organize the evidence that your claim needs to succeed, and can negotiate with the insurance company on your behalf.
If the negotiations break down, your lawyer may need to sue the insurance company for the compensation to which you are entitled. And when the at-fault driver’s insurance policy doesn’t cover all of your damages, it may be necessary to file suit to recover from his or her personal assets. For these reasons, talking to a lawyer before calling your insurance company can greatly increase your chances of receiving a just settlement.
You have legal rights to fair compensation after a car accident. At KNR, our trusted personal injury lawyers at any of our ten Ohio office locations understands how to make justice work for you. For years, we have fought insurance companies to help our clients get appropriate care they deserve.
Ohio truck accidents are unfortunately all too common and can cause serious and permanent injuries. If you are in an accident, don’t delay. Call the personal injury lawyers from KNR today. We will negotiate with insurance companies in order to help you receive the necessary care to recover.
When you have been injured in a motorcycle accident, the Ohio accident attorneys at KNR are here to help. Our compassionate and dedicated lawyers know how devastating a motorcycle crash can be. We will fight to obtain the maximum possible compensation for your injuries or losses.
First Party vs. Third Party Claims – What’s the Difference?
Most drivers have only liability insurance, but some insurance policies may include collision and medical coverage, which enables the policyholder to get compensation for car damage and medical expenses regardless of who was at fault. For this reason, people with collision and medical coverage generally file first-party claims with their own insurance company to get their compensation.
If you have only liability coverage, and you believe that someone else caused the accident, you would need to file a third party claim with the at-fault driver’s insurance company. This is why the law mandates that people exchange names and insurance information after an accident. Upon receiving the third party claim, the other driver’s insurance company will open an investigation to determine whether you or the policyholder was at fault.
Evidence is Everything
Your third party claim will only succeed if you provide enough evidence to show that you were less than 50% responsible for the accident. This is why your lawyer will include a police report, pictures of the accident scene, and statements from witness along with your claim. Otherwise, the claims adjuster may determine that you were primarily at fault for the accident and deny your claim.
When the claims adjuster concludes that you were partially at fault for the accident, your settlement amount will be reduced in proportion to your fault. For example, if you were 20% responsible for the accident, you will receive only 80% of the settlement amount. If you were 50% responsible, the insurance company will only give you half of the compensation to which you might have otherwise been entitled.
The Kisling, Nestico & Redick Difference
Whether you’ve been injured in a car, truck, or motorcycle accident, the Ohio injury attorneys of Kisling, Nestico & Redick can help you get the compensation you deserve by skillfully putting together your claim and aggressively advocating for your interests at every step of the insurance claim process.
What sets us apart from other Ohio personal injury lawyers is the compassion and personal attention we extend to our clients. When you work with us, not only will we strive to get a good settlement, we will make every effort to lessen the stress of the claims process. To learn more about how we can help, call us today for a free consultation of your case.
Depending on the circumstances of your accident and the kind of insurance policy you have, you will need to file a claim with your insurance company or that of another driver. When you file a claim with your own insurance company, it’s called a first party claim, and when you file a claim with another person’s insurance company, it’s called a third party claim.