- Have you suffered a car accident as a driver, and you are not exclusively to blame?
- Are you an occupant of a vehicle and have been injured or damaged in an accident?
If you’ve been through a similar situation or need advice on the subject of claim compensation, you’re in the right place.
You can’t imagine the number of people who, without having exclusive responsibility, are victims of traffic accidents. Some, just for occupying a place in the transport vehicle and others for being at the wrong time.
After a car accident, you may have to file an insurance claim against a negligent driver. Several factors can influence the amount of money a jury will award you if your case goes to court.
This article will address some of the major factors that can affect the value of a car accident injury claim.
The model of car to be insured
Of course, the model and year of the car you wish to insure will strongly influence the price you will have to pay for your insurance. The engine power, the number of driving wheels, and the replacement cost of parts are among the factors considered.
Repair costs are more expensive for a luxury car than for a cheap car. That’s why insurers charge higher compensation for cars in a higher price range.
Your driving history
Do you already have several claims in your file? The price of your insurance will, unfortunately, be affected. You should know that even if you were involved in an accident without making a claim, it could be entered in your file if another motorist who was also involved claimed money from his insurer.
To calculate the compensation, insurance companies ask for the number of accidents you have had in the last five years. The more accidents you have had, the higher your indemnity will be.
Your personal information
As we all know, a person’s gender and age will influence his or her car injury claim. Except for that, other personal information such as your address, home, occupation, credits, education, and even whether or not you smoke can also be considered by insurance companies. Nothing is left to chance!
Your kilometers traveled
Among the few questions, your insurer will ask you to determine your compensation, the annual mileage you expect to drive will have a big influence on the amount you will have to pay. After all, the more often you drive, the more likely you are to be involved in an accident. The use of your vehicle for business purposes is also a factor that will increase your compensation.
For example, if you only drive 5,000 or 10,000 kilometers a year, you may be able to get a discount with some insurers. This can be up to 15% of the injury claim.
Your medical file:
In general, the more your medical bills increase, the more the value of your personal injury claim increases. To maximize the value of your injury claim, you must make sure that you get treatment and follow your doctor’s instructions and follow the instructions given to you to heal or recover as quickly as possible.
In addition, a bill for all your medical expenses will help support your claim for personal injury compensation. You must keep an up-to-date list of all your doctors, medical fees, appointments, and medications you are taking.
People seeking to file a personal injury claim often ask about its value. In some cases, they ask to prove and calculate the amount of money they can expect to receive after a claim compensation. In reality, it is difficult to predict the settlement value, because when mistakes are made in the preparation of your personal injury claim, the final value can be greatly affected, upward or downward.
In the end, you should be aware that It is not easy to manage these claims without legal help because in the dynamics of an accident involving two or more vehicles can influence many factors (such as those previously mentioned) that if you do not know and act quickly, can condemn your claim compensation to failure.