The Difference Between a Personal Injury Claim and a Lawsuit

Suppose that you are seriously injured in an auto accident, and the other driver is at fault. Should you file an insurance claim or consider a personal injury lawsuit?

An Insurance Claim

If you suffer injury and/or property damage as a result of an auto accident, you can file an insurance claim. Your goal would be to receive financial compensation for property damage and medical treatment costs. The process begins with filing a claim, after which the insurance company opens an investigation.

After receiving the claim, the insurance company decides whether the claim is justified and attaches a money value to your damages. When the bills and damages are added up, a decision on whether to accept or reject the insurance company’s offer is based on your judgement when considering whether or not the offer is fair and reasonable.

The process can quickly become complicated, and if you believe the insurance company is not treating your fairly, it is time to consult with a personal injury lawyer and think about filing a personal injury lawsuit.

A Personal Injury Lawsuit

A personal injury lawsuit is a civil action. If you cannot reach a settlement with the insurance company, a personal injury lawsuit may be your only option. For example, your losses and expected compensation might exceed the policy limits of the at-fault party’s insurance coverage.

If negotiation with the insurance company is at an impasse, and you believe legal action is your only recourse, you should contact personal injury lawyer immediately. With a personal injury lawsuit, you could be financially compensated for medical bills and costs, physical and emotional suffering and lost wages.

If you have been injured in an auto accident and are looking for advice on your personal injury action, contact the personal injury attorneys at Treadaway & Treadaway.


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