Dealing with insurance companies is stressful and after the trauma of a car accident, nobody wants the added hassle of filing insurance claims. Especially when there are so many misconceptions about motor vehicle accident compensation, but we wanted to take the time to clear up the myths and set the record straight.
Myth #1
You Can Only Claim Compensation if You’re Seriously Injured
The Truth
Speak to motor vehicle accident lawyers in Sydney about a compensation claim whether you suffered a minor, moderate or severe injury.
Injuries go beyond the physical – you may also suffer from psychological trauma as a result of your accident. The quicker you find experienced motor vehicle accident lawyers, the sooner you can file your claim.
Myth #2
Having Car Insurance Means You Don’t Need to Claim Compensation
The Truth
If you get into a car accident, you need to file a claim to receive compensation. It’s part of the process, whether you’re claiming against your own car insurance or someone else’s.
Myth #3
You Have to Admit Fault to Claim
The Truth
Nobody needs to admit fault to claim compensation. Even if you were judged to be fully or partially at fault for the accident, you can still pursue a compensation claim. If you’re unsure about your situation, the best way to move forward is by contacting a motor accident lawyer in Sydney.
Myth #4
You Can’t Claim Compensation If You Didn’t Call the Police On Scene
The Truth
It is wise to call the police to the scene of a motor vehicle accident, for documentation purposes. It does make the process operate smoother.
However, you can still claim compensation if the police were not called. You have 28 days to report the accident to the police, so make sure you do this as soon as possible.
Myth #5
You Only Have a Few Days to File a Claim
The Truth
The timelines for motor vehicle accident claims are tight, but not as tight as a few days. In reality, most policies require you to file your claim within 28 days.
However, common law and fatal accident claims have a time limit of three years for bringing a claim to court. It’s best to speak to motor vehicle accident lawyers to ensure you don’t run out of time.
Beyond the Myths: Your Rights and Options
While motor vehicle accident lawyers in Sydney can advise you of your rights and options, it’s best to understand the various types of compensation following a motor vehicle accident.
Medical Expenses
If you suffered physical injuries, your compensation claim can include medical expenses.
Many lawyers will hold off filing a compensation claim until the full scope of your injuries is understood, especially since many don’t appear until after the fact.
Loss of Income
If you had to miss work as a result of the accident, your compensation claim can cover this if you have documentation to support your claim.
Pain and Suffering
Pain and suffering claims can be more challenging to prove, and this is when your lawyer may advise you to pursue a common law claim against the at-fault party’s insurance provider.
Property Damage
Whether you were driving the world’s most expensive vehicle or it was time for an upgrade, compensation is due for damages to your property.
Depending on the policy, you may be entitled to compensation for damage to items within your vehicle, such as electronics.
When To Seek Legal Help
If you’re going to file a compensation claim following an accident, reach out to a legal professional.
While you can complete the process on your own, a lawyer will help you navigate the process more efficiently. However, there are certain situations where legal guidance is highly recommended.
Serious Injuries
The more serious your injuries, the higher your compensation should be. Working with a lawyer will ensure you get the payout you deserve, but it also relieves the hassle and stress for you.
You’re dealing with serious injuries and your focus should be on healing, let the lawyers fight for your battle.
Complex Fault Situations
Even if you were fully at fault, you may still be successful in claiming compensation, but to maximise the likelihood of a positive outcome, a lawyer is a necessity.
Disputes with Insurance Companies
Insurance companies will look for opportunities to reject claims or minimise the payout. If you’re working with a lawyer, they’re less likely to do that.
If you’re in a dispute with an insurance company, a lawyer will help you break down the issue and find the right solution to move forward and ensure your success.
Time Limits Approaching
The closer you get to a time limit, the more frantic you may get. Working with a lawyer to meet deadlines is a must.
Taking Charge of Your Recovery
Hopefully, by debunking these MVA compensation claims, you have a clearer picture of the reality. Following an accident, your focus should be on recovering physically and mentally while an expert fights your case.
If you want to file a motor vehicle accident claim, reach out to AJB Stevens motor accident lawyers to assist you with the claims process. It’s the best way to ensure the process is handled efficiently and effectively to guarantee a fair settlement. We can help separate fact from fiction to fight for your rights.
