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Insurance claim or lawsuit; which is better after a car accident?

A car accident, no matter how small, will likely have an impact on your life. And a serious accident could profoundly affect your entire future. As such, once an accident occurs, you will have to decide the manner in which you want to pursue compensation.

There two ways to receive recompense after a motor vehicle accident. The most common is through an insurance claim. But there are a number of variables that can affect the amount of money insurance companies will pay in compensation. Your settlement could be contingent upon the amount and type of coverage you purchased for your policy.

To file a claim after being injured in an accident, you will need to provide the insurance company with a plethora of information and documentation. For example, you will have to submit your medical records that describe your injuries and their treatment. If all goes well, you will eventually receive an amount of money that fulfills most or all of your needs.

However, if your claim is rejected for some reason, or if your injuries are such that you will require expensive care and treatment for the rest of your life, you may want to consider filing a negligence lawsuit against the party who was liable for the accident. Often, lawsuits are settled out of court. If you choose to take your suit to trial, you may receive a substantially larger settlement, or you could walk out of court empty handed, depending on the verdict.

But no matter your situation, it can be extremely beneficial to enlist the aid of a knowledgeable personal attorney. Having an attorney handle your claim could encourage an insurance company to be more cooperative regarding a fair settlement. The attorney can also advise and represent you if a negligence lawsuit becomes a consideration.