Being in a car accident is stressful enough. Then comes the process of filing a claim with the other party’s insurance company. Since liability depends on an assessment of fault, insurance companies don’t pay out without first subjecting claims to a rigorous investigation. The extensiveness of the investigation usually increases with the size of the claim. Knowing what to expect can help you better navigate the claims process, preferably with the aid of an experienced attorney.

The following is the typical path that insurance companies follow when investigating auto injury claims, before making any offer of settlement:

1. Assigning an adjuster — The first step is the designation of an adjuster, who is the insurance company's representative charged with assessing the claim's validity and worth.

2. Reviewing the police report — The adjuster examines the police report, which details the accident scene, involved parties, witness statements and the officer's opinion on fault.

3. Conducting inquiries — The adjuster will likely reach out to everyone involved in the accident, including other drivers, passengers and eyewitnesses. They might also interview people familiar with your daily routine, like neighbors or colleagues, to corroborate details.

4. Recording a statement — The adjuster may ask you to participate in a recorded statement. This is essentially a question-and-answer session documented for the record. It's best to consult with an attorney before proceeding, since anything you say can potentially weaken your claim.

5. Examining evidence — Pictures and videos from the accident scene or damage photos of your vehicle are crucial pieces of evidence. The adjuster thoroughly analyzes this information alongside the police report to understand the accident's cause.

6. Reviewing medical records — The insurance company will request your medical records to assess the severity of your injuries, necessary medical treatments and projected costs. They'll also scrutinize whether you sought medical attention promptly after the accident. Any significant delay might raise suspicion that your injuries stem from another incident.

7. Income loss documentation — To determine the amount of compensation for lost wages due you, the adjuster will likely request your paystubs and other income-related documentation.

8. Social media scrutiny — Be prepared for the adjuster to examine your social media pages, looking for any posts or statements that could be construed as an admission of fault or that contradict the extent of your claimed injuries.

An attorney experienced in personal injury claims can guide you through the claims process and can make the best case possible for your entitlement to fair and appropriate compensation.

At Pikrallidas & Probasco, we are aggressive yet compassionate attorneys who focus on winning compensation for Virginia and Washington, D.C. residents hurt in auto accidents. Please call us at 703-267-2600 or contact us online for a free initial consultation.