What is the personal injury claims process?
Insurance adjusters may start calling you immediately after the accident in an attempt to get you to settle. They are aiming to save money for their employers. As desperate as you may feel your situation is, beware of these tactics. The extent of many injuries is not known until well after the accident and it will take time to evaluate these injuries. It's best not to say anything to the insurance company. Engage a personal injury lawyer, who will handle all communications and fight for your best interests.
A personal injury lawyer prepares for litigation in the knowledge that most insurance companies want to avoid that route if at all possible. Insurance company lawyers are often poorly equipped for trials and allowing a court to adjudicate may result in higher payouts and few insurance companies want to risk that. Lawsuits, therefore, rarely make it to trial. However, filing a lawsuit with the appropriate Washington State court and serving papers to the defendant is part of the process. This must be done in the county in which your accident occurred.
Your lawyer will carefully calculate your losses and gather evidence (medical, financial and otherwise) to support the claim. A demand package will be sent with your medical records to the insurance company. A response will usually be forthcoming with three to six months. Your lawyer may also file a lawsuit and negotiate with the insurance company on your behalf from a position of strength. If a settlement is agreed, payment will be made by the insurance company directly to you within weeks. If no out-of-court settlement is possible, we will proceed to trial.