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An insurance claim is a request for benefits or compensation for damages that result from a motor vehicle accident. The claim is typically made with the insurance company representing the driver who is at fault.  Both drivers will need to report the accident to their insurance companies, however, in accordance to the requirements of their individual policies. Many car insurance claims are made each day around the nation, and the process has become relatively standardized. That doesn’t mean the insurance company won’t push back if they believe they shouldn’t recognize their liability, but the process will be similar to most other accidents of the same type.

Insurance companies try to minimize accident claims as a basic business practice. Reputable insurance companies do need to ensure that they are following the laws, however. There are several common reasons why an insurance company will deny a claim in good faith.

Minor car accidents can still lead to major injuries in Chicago because your body isn’t designed to handle even the sudden jolt of a low-impact collision. The forces involved in minor crashes can make your body move in unnatural ways that cause severe injuries, especially if you weren’t braced for the impact. Insurance companies often downplay these injuries. Understanding why and how injuries occur in low-speed crashes can help ensure you protect your health and legal rights.

Car accident cases may go to court, but most are settled out of court. Settlements are reached through discussions among the involved parties, which include you, the other driver, the insurance company of the other driver, and the lawyers for each party. Settlements save time and money and minimize the risk of losing for both parties. They provide clear compensation amounts, allowing injured plaintiffs to receive funds more quickly. However, going to court may be necessary for disputes over fault or if insurance companies offer inadequate settlements.