It is a typical day on the commute to work. Traffic is heavy, yet it is moving at a fairly fast pace. Suddenly, the car in front of you comes to a screeching halt. You slam on the brakes, but there is not enough time to prevent your vehicle from running into the rear of the car that made the sudden stop. Soon after you hit the car in front of you, a third vehicle becomes involved in the accident by rear ending your vehicle.
We now have the classic development of a chain reaction accident.
Considered one of the most complicated types of car accident claims to process, a chain reaction insurance claim can include dozens of other insurance companies. Because of the considerable amount of time involved in processing chain reaction car crash claims, it is important for you to work with a state licensed personal injury lawyer to ensure your claim receives the attention it deserves from your auto insurance carrier.
Chain Reaction Accidents Can Cause Serious Injuries
Getting hit from behind and striking another vehicle in the rear can lead to a wide assortment of physical injuries. Rear ending another vehicle can send your body forward into the steering wheel, which can bruise your ribs and sternum. The car that struck you from behind might have applied enough force to cause your head to hit the under carriage of the roof. From a cut on the forehead to a severe concussion, the medical bills begin to mount quickly.
Healthcare costs represent the most expensive thing you have to pay for after most auto accidents, much less a crash involving multiple vehicles. You have to pay for a health care professional to diagnose your injuries, as well as pay for treatments that can last days, if not weeks after the accident.
Add on rehabilitation costs that can linger for years, and you can face a total medical bill that exceeds $10,000. Knowing how to file a timely auto insurance claim is the key to getting paid for medical expenses.
How to File an Insurance Claim
The Internet has sped up the auto insurance claim process by automating many of the previously manually inputted data that claim adjusters use to calculate auto insurance payouts.
However, you still have to present convincing evidence that demonstrates at least one other driver was at fault for causing the chain reaction crash. If the evidence you submit establishes fault, then your insurer will contact the other insurance company to seek just compensation for your injuries.
Physical evidence attached to an auto insurance claim should include photographs of your injuries. The photos taken by a healthcare professional will help substantiate your car insurance claim. Documentation of the cost for treatment and rehabilitation should also accompany your auto insurance claim. Without the proper receipts, your insurer will most likely deny your claim.
A Personal Injury Attorney Can Help
The auto insurance claim process for a chain reaction vehicle accident can become bogged down for a variety of reasons. Working with a state licensed personal injury lawyer will expedite the claim process. Your attorney will handle the submission of paperwork, as well as deal with the other insurance companies that are processing claims for the same chain reaction accident.
Schedule a free initial consultation today with an experienced personal injury lawyer to learn more about how the auto insurance claim process works.
