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Insurance Investigations After A Car Accident; What Can You Expect?

Posted on: December 8, 2013

Where there is a motor vehicle accident, there is usually an insurance company that will do an investigation BEFORE they will make any payments. There are several things an insurance company will probably consider before they will accept liability for a motor vehicle accident and cut you a check.

  • Valid Coverage; before any payments can be made, it MUST be determined whether or not the individual had valid insurance coverage at the time of the accident. You would be surprised to learn exactly how many claims get denied due to a lapsed or old policy
  • Driver’s Statement; the insurance carrier always requires a statement from their driver. The statement is often recorded for their records and provides them with all the accident details they need.
  • Owner’s Statement; if the owner is different from the driver, the insurance company will most likely require a statement from the vehicle owner as well. If the driver is not listed on the owner’s policy, the insurance company will want to determine whether or not the driver had “permissive use”. In other words, did the driver have permission to drive the vehicle?
  • Investigative Reports; if the police or other government agency came to the scene, the insurance carrier will want to obtain those reports. A police report can provide the officers conclusions made at the scene or indicate whether or not citations were issued. A police officers statement can also be obtained. The police officer’s opinion is viewed as unbiased as he/she is often an objective third party.
  • Witness Statements; in the event there are independent witnesses to an accident, those statements will need to be obtained as well. An independent witness can be the key to any liability decision.
  • Inspection of the Vehicle; inspection of both the insured’s vehicle as well as the other vehicle(s) involved and can help determine the point of impact amongst other things. Property damage can be very telling. An inspector will assess the damage and even take pictures.

The insurance carrier will usually take all of these factors into consideration before accepting liability or making payments. However, in some cases where the at-fault party actually admits fault to his/her own insurance carrier, it may be possible to avoid some of the aforementioned steps.

When Should I Hire a Lawyer:

Certainly, not every occasion calls for an attorney. If you are in a minor car accident for example, and no one is injured, it may not be necessary to call a lawyer if all parties can agree who was responsible. That being said, certain circumstances can result in more complicated legal scenarios than others. We would recommend you consult with an attorney promptly if any of the following are applicable to you:

  • – You or a family member was killed due to medical negligence or other reckless behavior
  • – You have sustained catastrophic or series injuries, which will likely have, long term repercussions on your day-to-day life.
  • – You have been involved in a motor vehicle accident and the other driver has no insurance.
  • – You have sustained serious injuries and you anticipate the other driver will not have adequate insurance coverage to compensate you for your losses.
  • – You have been involved in a motor vehicle crash and both you and the other driver cannot agree who was at fault.
  • – You don’t feel like the insurance company is offering you fair value for your troubles. (You don’t feel the compensation being offered to you is fair or will fully satisfy your present or future medical costs
  • – The other driver’s insurance company is pressuring you into giving a recorded statement.
  • – You are being pressured by an insurance company to agree to a quick settlement.
  • – You anticipate having to file a lawsuit or taking your case to court in order to get fairly compensated.
  • – You are concerned about not fully complying with your state’s legal and/or procedural requirements for making a claim. (I.e. your claim is against a state or local government entity.
  • – You are concerned about taking on a large business entity or corporation, which you do not believe, will fairly address your concerns.
Bob Katz is Chair of the Personal Injury Group at Gordon Feinblatt, LLC
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Read Some of Our Recent Client Reviews!

02:32 04 Aug 18
The lawyer who was initially handling my case parted ways with the company and I was assigned a new lawyer. This new lawyer was amazing! Christina Franetovich made me feel secure by double checking all the facts and notes in my case so that I was not worried during this transition. I was on disability from an a different accident while she was finalizing my case, and I had called and hounded her about the time frame of my settlement very frequently to the point that I felt guilty for calling so much. Christina was very sympathetic to my situation and assured me that she would do everything in her power to make sure the situation would be resolved quickly. She actually finalized my case before the time frame she had given me, was always very courteous and knowledgable on the phone, and I feel extremely lucky that she ended up handling my case because the previous lawyer was not as amazing with customer service as Christina. She also has a way of making you feel comfortable and builds incredible rapport quickly. I am going to highly recommend her to my friends and family. Thank you Christina!!!
Andrea Barajas
Andrea Barajas
15:13 16 May 18
My husband and I were in a car accident in August 2017. We contacted Bob Katz team for legal representation in our case. Kristen A. Turner was our paralegal and she was excellent. It took 9 months for us to receive our settlement and Kristen kept us updated throughout this entire process. She was very kind and patient as I happened to have several questions. She always answered my questions promptly and thoroughly. I would highly recommend this firm and Kristen if you are in need of legal assistance.
Richard Hose
Richard Hose
02:26 27 Jun 18
On Feb 23, 2017 I was in a bad accident on the JFX. I had been rear end by another driver. Almost immediately I felt pressured by the other drivers insurance. Everything from wanting a recorded statement; to failing to acknowledge responsibility. No one would answer my questions, nor would anyone take responsibility. I was frustrated and overwhelmed with everyone from the towing company, to the repair shop, to the insurance company nightmare I just entered. I reached out to Attorney Robert Katz and I was assured they were here to help. He provided with some much needed information, and told me not to worry, Sarah his Paralegal would be in touch to help get things moving. Sarah reached out as expected and explained their process and walked me through what my expectations would be. She as well assured me they were here to help me navigate the obstacles. What Sarah really did was so much more than help. She took the stress and burden off my shoulders and assumed ownership for handling everything on my behalf. I knew what to expect, and I received regular updates throughout the entire process. Honestly, I received so much more than I anticipated. Some of the most frustrating items to chase after are medical records and hospital charges. While I was trying to recall events and timelines, she had already obtained my records and information. She made this process so painless. I truly cannot say enough about the exceptional service she provided. Many thanks for all your help. Sincerely, Richard Hose
Claudette Pope
Claudette Pope
13:18 30 Aug 18
I was referred to Gordon & feindblatt in 2014 when my family was in an accident, Mr. Katz personally consulted with me by phone and he was very polite and professional, Mr. Carpuso, one of the litigation attorneys even came out to our home and went over our case with us, he made sure all of our needs was addressed and before he left our home that day I felt like we were old friends. that case was settled and I was very pleased, I have used this law firm twice since then and the results are always the same, I have nothing but great experiences with Gordon & Feindblatt the staff are courteous and professional and they get the job done but the one in particular that really stood out for me is Rebecca Slattery, she is truly a gem, she is so compassionate, she walked me through the entire process, she even checked up on me from time to time just to see how I was feeling and I really appreciated her kindness. I will use this law firm again and again for any future legal issue that may arise and I would highly recommend Gordon & Fiendblatt to friends, family and co-workers.
15:24 09 Feb 18
My experience here was great. My lawyer Rebecca was so professional and I love her personality. She handled my case well and kept me updated and made the process easy and always made me feel comfortable to call whenever I needed to know anything.
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Location: Tysons

Chris Shin
Chris Shin
18:23 20 Jun 18
They were very polite, professional. and informed current status of the case time to time. Great Job !!!
Jonathan Roane
Jonathan Roane
22:51 17 Nov 17
If you ever need any assistance with an accident or injury-related claim this is the firm you need hands down. These are the most professional and caring people I have ever met in my life. Two people you should contact are Rebecca Slattery who was actually my paralegal and also Allan Serrano. You will be in good hands.
Israel Thompson
Israel Thompson
00:52 06 Dec 17
Attorney MR Bob Katz outstanding Human being, went beyond and above to help me during my accident, he showed me tremendous kindness and support.Thank you so much will highly recommend him to anyone who needs help with their auto accident
Marta Kritselis
Marta Kritselis
16:19 01 Sep 17
Rebecca Slattery the paralegal She took care my case and she was very helpful throughout the whole process. I highly recommend to my family and friend the services of Attorney Bob Kats and there team .
Myong Kim
Myong Kim
22:04 31 Mar 17
I am grateful to Bob and Justin Katz and their team for working hard to get me the most money. They were very professional and easy to work with in Korean. I will recommend them to friends and family any chance I have.
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