Generally speaking, you should hire an attorney if you or a loved one has been 1) seriously or permanently injured in an accident or 2) lost a significant amount of time from work, school or household duties. Don’t entirely rule out contacting an attorney even if you don’t think that you or a loved one were seriously injured as the facts and circumstances of every accident are different and injuries may not become apparent right away.
Insurance companies offer many types of auto insurance policies that provide different levels of coverage and deductibles. Liability limits in an auto insurance policy are stated as a combination of numbers such as 20/40/10.
Simply put, auto accident claims are the result of an accident that is reported to your insurance company. A claims adjuster (someone who works for the insurance company) will oversee the claims process and will be your primary contact. The adjuster will review your policy to determine:
Insurance companies have batteries of claims adjusters and lawyers whose job is to try to avoid paying, to hold down the amount they pay, and to save the insurance company money.