Every year, the average number of car accidents in the United States is 6 million. Over 90 people across the nation die in a car crash every day and 3 million people are injured as a result of car accidents. Approximately 2 million drivers each year involved in auto accidents sustain permanent injuries. In 2015, 32,166 fatal car accidents took place in the US – 10.9 deaths per 100,000 people. Car crashes result in 6% fatality, 27% non-fatal injuries and 72% property damage each year.
Common Questions about Car Insurance Claims
When it comes to car insurance claims, people always have a lot of questions. And most of the time, they do not get the answers they need. Here is a look at some of the common questions people ask regarding car accident claims with clear answers to help them out.
Q1: How do I know if my car is totaled?
A: If your car’s repair value is higher than your car’s value, then there is no doubt that it is totaled. In most states, there is a 75% threshold, which means that if the damage to a vehicle totals over 75% of its value, then it is considered totaled.
Q2: What is the first step I should take after a total loss accident?
A: The first two things you need to do after a total loss accident is to contact your insurance agent and locate your title. You can consult an attorney to find out what else you can do to hasten the claims process and obtain your money as quickly as possible.
Q3: How should I handle a single car accident?
A: The majority of single car accidents are considered at-fault accidents. When you file a claim, it is more than likely that you will be hit with a surcharge for at-fault accident when you renew your car insurance.
Q4: Is it necessary to pay for an at-fault claim?
A: You should determine if you should pay for a claim out of pocket by comparing the amount in damage costs to the amount of the at-fault accident surcharge as well as your deductible. When you compare these three numbers, you can decide whether or not it is worth filing a claim.
Q5: What happens if I have more than one insurance claim?
A: In most cases, multiple insurance claims are bad news. Your policy will be non-renewed by the majority of insurance carriers for two at-fault accidents in a three-year period by the same driver. A lot of them also surcharge for comprehensive claims if you file three or more in a three-year period. Keep in mind that these guidelines do differ with insurance carriers. If you or a loved one has been in a car accident, you should immediately seek the help of the hard charging and awesome personal injury attorneys at Rosenberg, Minc, Falkoff, & Wolff of RMFW Law at 212-344-1000. We know how to win cases. We have been winning cases for many years now. RMFW Law has won millions of dollars for past clients. You too can be on this incredible list. Give us a call today! We charge you nothing up front; in fact we only take a percentage of the final verdict or settlement.
