Things to know about third-party car insurance claims in Boise

Idaho is an at-fault state. If you suffered injuries or vehicle damage in a car crash in Boise that happened because of the other driver’s negligence, they are liable for your losses. In at-fault states, it is common to file a third-party insurance claim. In other words, you wouldn’t file a claim with your insurer but with the at-fault driver’s insurer. Before you take things forward with the insurance company, you must consider consulting a Boise Idaho auto accident lawyer. It isn’t very reasonable to assume that insurance companies will play nice. In this post, we share a few details worth knowing about third-party insurance claims.

Understanding common insurance tactics

It is no secret that insurance companies have their ways and means to deny and delay car accident claims. If they are aware of the facts, the at-fault party’s insurer may call you immediately and make an “offer”. This offer, for obvious reasons, would be less than what your claim is probably worth. Insurance representatives also press claimants for statements, and these statements are often twisted to get new meanings. It is also a common tactic to ask the claimant to sign a blanket medical authorization, which gives the insurance company access to personal information. Not to forget, they can deny or delay claims based on liability. When the fault is contested, it is normal for claims adjusters to pass the blame.

Take action immediately

Since insurance companies often try to delay claims, this could have other consequences for the claimants. Idaho’s statute of limitations allows two years from the accident date to file an injury lawsuit against the at-fault party. If the claim is delayed, you may not have enough time to prepare for the civil lawsuit. Not to forget, you may miss out on key evidence. In a third-party insurance claim, the burden of proof is on the claimant. You must have solid evidence to prove that the other party was negligent.

Get a lawyer

Boise’s numerous personal injury law firms offer a free initial consultation for clients. Consider meeting an attorney in person to discuss the worth of your insurance claim. If the insurance company’s offer is too less than what you have endured, your lawyer can negotiate better or can decide to file a lawsuit. Even when you had a minor share in fault, your lawyer remains your best legal resource in the battle. Let them handle the claim on your behalf.