Total Loss Collisions in Illinois

 Posted on December 00, 0000 in Car Accidents

Being involved in a car accident is a jarring experience, from dealing with any injuries to filing the police report. Even the most minor rear-end collision can cause a big shake-up when it comes to interacting with the other drivers involved and reporting damages to your insurance company. In the case of total loss, the effects can be especially devastating.

If you find yourself involved in an accident that results in a total loss, keep the following in mind:

1. It is up to you to report the accident and file a claim.

While this is true for any collision, when it comes to a total loss, this is particularly important in regards to insurance claims. The larger the loss, the greater the expense required for damage and repairs. This also applies to any medical bills, documentation, and potential lawsuits that ensue due to the crash. The sooner you act and the more details you provide, the better you protect yourself should a lawsuit arise.

The state of Illinois requires drivers to report the accident to the police and the insurance company immediately, otherwise, the insurance company may deny the claim. Some insurance companies may also deny your claim if you do not submit a sworn proof of total loss within 91 days of the accident. This typically includes the date of the accident, how the crash happened, and what the automobile was being used for.

2. It is important to keep track of lost wages.

Losing work due to any kind of accident is a huge inconvenience, but losing wages because of a total loss can result in more than just a single bill set-back. Personal injury from a total loss accident can mean days, sometimes weeks of missed wages, and may even prevent you from returning to the same line of work, depending on the severity of your injuries. Whatever the circumstance, you should document and report as many details as possible. Details of the accident along with the dates and times you were unable to attend work, your medical bills, and any records from your doctor appointments will prove to be crucial documentation in your case.

3. Settlements matter.

From dealer quotes and vehicle replacement to medical bills and compensation for pain and suffering, any cash settlements you are offered should be carefully weighed. Make sure whatever settlement you are being offered will suffice for the inconvenience and hardship you have endured due to the collision, even if you played a part in causing the accident. Your rights matter, too. The moment you find yourself in a crash that results in a total loss, consult with a knowledgeable Lake County car accident attorney who can advise you on the next steps to take. Call Salvi & Maher, LLP at 847-662-3303 for a special consultation.

Source: http://insurance.illinois.gov/autoinsurance/total_loss_auto.asp