Frequently asked questions.
- You have the right to have your vehicle repaired at the shop of your choice.
- The other driver’s insurance company cannot require you to have your vehicle repaired. In other words, if you do not mind driving a damaged car you may be able to keep the money. However, if you still owe money on your vehicle, you may have to clear this with whomever you have it financed.
- A vehicle is usually considered to be totaled if the cost of repair is 70 percent or more of the value of the car. If your car is totaled, you are entitled to the value of your car plus sales tax.
- Even after your car is repaired, it may not be worth as much as it was before the accident. This loss is called loss of value and you are entitled to be paid for this loss by the insurance company.
- When having your car repaired, make sure the insurance company agrees to cover any “hidden” damage.
- You are entitled to a rental vehicle until your vehicle is repaired.
- Make sure you call your own insurance agent and report the accident as soon as possible. Under Arkansas law you are generally required to file a statement of financial responsibility (SR-1). Your agent or the Wren Law Firm will be happy to help you complete the form.
- If you are hurt, it is important that you go to the doctor. First, it is important that you get well; second it is important that you document your injuries.
- You may choose your own medical provider. It is very important never to settle your claim until you are released from your doctor’s care.
- Be accurate about how the accident occurred and about where you are hurt. Explain every detail of your pain and any details of how the injury occurred — such as, “I hit my head on the side window.” These kinds of statements help the doctor understand your injuries.
- Follow your doctor’s instructions, keep appointments and do any exercises prescribed.
- Upon settlement of your claim, the other driver’s insurance company must pay all of your medical bills that are reasonable and necessary and resulting from the accident.
- Prior to settling with the insurance company there are a number of different sources that may be available to pay your medical bills.
- Medpay: Most people have this coverage up to the first $5,000 included in their own automobile policy. We can call your agent for you to verify this coverage.
- Health insurance: Your health insurance should pay your medical bills first and wait to be reimbursed by the other driver’s insurance company at the time of settlement.
- There are a variety of other coverages such as Medicare, Medicaid, and possibly Workers’ Compensation which may apply in some cases.
The adjuster is a professional negotiator on behalf of the insurance company. He or she is highly trained to save the insurance company as much money as possible and spends 40+ hours a week doing just that.
Whereas, most injured parties have no experience whatsoever in negotiations and have no knowledge of the benefits that are available or of the actual value of a claim.
Negotiations begin once you are released from the doctor and the final reports are obtained. It takes a good negotiator to settle a claim fairly. It’s like haggling over the price of a car, so having my experience on your side can make a big difference in the amount you receive.
- Every case has a “statute of limitations” meaning that there is a time limit for you to either settle your claim or file a lawsuit.
- Different circumstances can either shorten or lengthen the amount of time you have to pursue your claim. If you have any questions at all regarding the statute of limitations, you should immediately call an attorney.
We hope that the information contained herein is useful to you, however, there are many other issues which may affect your claim. of course, this information is not intended to be a substitute for seeking legal advice. However, if you have any questions regarding your claim, you should call an attorney.
Wren Law Firm will give you straight answers, fair fees, personal service and aggressive representation. Our phones are answered 24 hours a day, and during business hours you can get immediate answers to your questions, call 223-0025 or toll free, statewide, 1-888-dan-wren (1-800-300-1775) for free answers to your questions.