If you got hurt in a car accident in Rhode Island, it’s important to understand the insurance claims process, which always starts with reporting the accident to the insurance companies. Working with a knowledgeable car accident attorney is the best way to ensure you follow every step of this process correctly and get just compensation for your losses.
Traffic accidents are unfortunately common in America. The National Highway Traffic Safety Administration (NHTSA) estimates in its most recent report that there were more than 5 million non-fatal accidents nationwide in a one-year span, resulting in more than 2 million injuries. This means most Americans end up filing car accident insurance claims at some point in their lives.
At the Law Offices of Ronald J. Resmini, Accident & Injury Lawyers, Ltd., we have recovered hundreds of millions of dollars in fair compensation for our deserving clients. No matter where you are in the insurance claims process, we are here to help. Call us at (401) 751-8855 to get started with your free consultation.
How to File an Insurance Claim
You should always obtain a crash report from your local authorities as soon as possible after an accident. The Rhode Island government website provides information on ways you can get your crash report, including online or by mail. Many insurance providers have online portals where you can provide information about the crash and make a formal claim. If you submit a crash report along with your claim, it should expedite the process and give the insurance company more information to work with.
How to File an Insurance Claim Against Another Driver
Rhode Island’s ‘at-fault’ liability laws allow you to file a claim against another driver’s auto insurance provider if they are at fault for the accident. An attorney can help you complete this process by filling out relevant forms and negotiating with the insurance company. It’s best to avoid communicating with the other driver’s insurance company, as anything you say to their adjuster could be used against you later.
How Long Do You Have to File an Insurance Claim?
The time you have to file a claim can differ depending on the situation and the insurance company. Rhode Island law requires drivers to report accidents involving injury, death, or property damage in excess of $1,000 to the DMV within 21 days. Most insurance policies require claimants to report covered accidents within a certain number of days or weeks after the accident. If negotiations break down or the insurance company only offers lowball settlement deals, you have three years from the accident to file a personal injury lawsuit seeking compensation in court.
How Long Does an Insurance Claim Take?
Straightforward insurance claims in which neither party disputes major case facts can be over as quickly as they begin. But more complex or contested cases could take weeks or even months to settle. Rhode Island law specifies that insurance companies must act promptly when handling your claim, but does not set any explicit time limits on the claims process.
Do I Need a Lawyer for an Insurance Claim?
Attorneys are not mandatory for insurance claims, but they certainly help. Attorneys can:
- Help you understand the value of your case
- Expedite the claims process by responding to inquiries promptly on your behalf
- Communicate with the insurance adjuster on your behalf
- Negotiate aggressively for a settlement that covers all of your losses
Read more: What do Car Accident Lawyers Do?
Should I Get a Lawyer for My Claim?
It’s always a good idea to hire an experienced attorney for your car accident claim. Initial consultations with most personal injury lawyers, including the team at Law Offices of Ronald J. Resmini, Accident & Injury Lawyers, Ltd., are free. And at Law Offices of Ronald J. Resmini, Accident & Injury Lawyers, Ltd., we never require upfront payment. We only get paid if you get paid, so there’s no risk to you when you come to us for help.
What Type of Lawyer Handles Insurance Claims?
You should only trust your car accident insurance claim to a knowledgeable lawyer with experience handling insurance companies. When looking for an attorney to represent you, search for one who has handled cases similar to yours, possesses a track record of outstanding results, and isn’t afraid to try cases in court when necessary.
Contact an Accident Attorney Today
At the Law Offices of Ronald J. Resmini, Accident & Injury Lawyers, Ltd., our car accident lawyers always aim to win the most money for our clients. With more than 50 years of experience in personal injury law, our team has put millions of dollars back into the hands of accident victims just like you.