It is understandable that insurance companies are businesses just like any other. Their money is not to be used in just any way. Thus, car accident victims in America are most often offered low compensation, which is only a small part of what they can get if they turn to a lawyer.
If you want to get what you rightfully deserve under the law, it is important to consult an attorney and not sign anything with the insurance company yourself, despite the recommendations of insurance agents.
In the case of immigrants, this is even more true than with Americans. An insurance agent who understands this will definitely try to use the situation in the interests of the insurance company.
Your salary will be affected by an accident and injuries first and foremost. - if you are seriously injured, you will miss a few days of work, and this will immediately affect your salary and not in the direction of its increase.
Then the medical bills will come (everyone has heard about the prices for medical services in the US), and after that, you may still be required to pay compensation in favor of another participant in the accident.
All these expenses can be covered by the insurance company if a competent accident lawyer in America conducts a dialogue with it from the very beginning. Moreover, a professional lawyer will be able to obtain compensation for your lost salary and property damage as a result of the accident.
But time is limited for this, and if you decide to try it yourself first, and then come to a lawyer with a request to correct your mistakes, then there may be no way for him to do so. There are two reasons.
First: if you have already signed something, this cannot be canceled. The second is called the "statute of limitations," and it is worth reading more about it.
What are the time limits for filing a lawsuit after an accident?
While you go to the doctor, reassure your loved ones, and come to your senses, time is running out. After an accident, a driver may simply not be up to legal disputes with the insurance company and may not understand the intricacies of an unfamiliar process or even the language (if an immigrant).
But as long as you decide to take action and understand everything, the time for claiming compensation may simply pass, and you will permanently lose the right to receive any money.
The periods for filing complaints in each state are different and vary from 1 to 6 years. For example, in California, you have two years to claim compensation for your injuries and three for property damage claims; in Florida, you have four years for both, and in New York, you have three.
If you think these periods are quite long, then you're wrong. This past couple of years has flown by for me due to treatments for my injuries and other consequences from the car crash. Plus, it takes time to collect documents, as DTP America explained to us.
Therefore, it is better to hire a lawyer immediately after an accident in the United States, who will take care of all the paperwork and bureaucratic processes while you are recovering from the experience. DTP America has Russian-speaking specialists who will help Russian-speaking immigrants solve and understand everything.
What one needs to know about compensation after an accident in America
Each state in the United States regulates car accident payments in its own way. At the same time, in most regions, the amount of compensation in case of an accident is determined according to a modified scale of admitting guilt of a participant in an accident and statements of the amount of compensation:
- If you claim $140,000 in moral damages for an accident and you are 30% at fault, you will receive $98,000 in compensation.
- If your fault is more than 50%, then the amount of compensation is $0.
- In some states, you may be able to get compensation for damages in an accident if there is a different standard of insurance, or if the state authorities are found responsible.
If you have been hurt in a car accident, it is important to see a doctor within two weeks. With the help of medical bills, an accident injury lawyer in America will help recover from the insurer compensation for future and current medical expenses, including for the restoration.
When Accident Happened, Consult a hire a lawyer
Compensation is important, but sometimes, especially among our people, they are not interested in getting involved in litigation and negotiations with the insurance company. And this is everyone's choice.
However, there are accidents when a lawyer is needed not so much to receive compensation as to protect personal money and even freedom.
Accidents that require a lawyer:
- Any accident that results in serious injury to you or someone else;
- Any accident in which the responsible party is not clearly identified;
- Any collision in the school zone;
- Any accident in the construction area or work area;
- If you disagree with the police report;
- Any accident involving an uninsured driver;
- When insurance companies give confusing answers to financial liability questions.
How should immigrants respond to such situations?
Russian-speaking immigrants in the United States can turn to DTP America for assistance when faced with the consequences of road accidents.
- Get a free car accident consultation at any time by contacting the operator.
- Operators will choose for you a Russian-speaking lawyer who is located in the state where the accident occurred and is familiar with its laws.
- If necessary, you will be advised how to receive compensation up to $1,000 in the first 24 hours after the accident.
You can also get a tip on which hospital to go to, after which you will receive compensation payments based on medical bills.
What does a lawyer do for you when you are involved in an accident?
- Handle negotiations with the insurance company
- Collect and submit all necessary documents to the appropriate authorities
- Emergency? Ensures claims or compensation are filed on time
- Achieve a higher compensation amount
- Takes on the task of dealing with unforeseen circumstances
- If necessary, organizes a thorough investigation of the incident
The tasks of an accident lawyer are not easy. An ordinary American, and even more so an immigrant, will definitely not be able to do all this on his own, given unfamiliar laws, a foreign language, as well as the shock of an accident, and pressure from an insurance company that does not want to pay more.
It is not for nothing that Americans believe that professionals should deal with everything, and in the case of proceedings after an accident, this principle should really be strictly followed.
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