Property Damage and Insurance Claims in Rhode Island
What to do if you have to file a Property Damage Claim or Insurance Claim
Contact Rhode Island Accident Attorney Macktaz NOW — 401-861-1155or CLICKHERE
In the time following your automobile accident, and afterobtaining a medical examination for your injuries, there are several items youwill need to take care of to protect and insure your rights are upheld.
File an AccidentReport
This is not the same as the police report of the accidentthat you will obtain from the department that responded to the scene. This is aState accident report. It is a document that must be filed within 7 days of theaccident with the Department of Motor Vehicles.
You may file in Rhode Island online at http://www.dmv.state.ri.us/accidents/or visit your local branch for a form and file it in person. You will need acopy of the police accident report, or the information that you gathered at theaccident scene including the name, address, and insurance information for anyother parties involved in the accident, any witnesses’ names, address and phonenumbers, and a good description of how the accident happened including anyinjuries you or your passengers may have sustained.
File Your InsuranceClaim
What you will need:
Your insurance and vehicle information
The other party’s insurance and vehicleinformation
The details of the accident and how it happened
Any damages to your vehicle
Any injuries you your passengers or yourself
Most insurance companies have claim filing available eitheronline or by the telephone for convenience. Online forms will require you tofill in as much information about the other party as you can, as well as yourown information. You may also be asked about your attorney’s information. Ifyou have hired a personal injury attorney to represent your interests, theywill most likely handle the aspects of filing your claim with your insurancecompany for you.
If you do not have an attorney however, you will need tofile your claim yourself with the information you have gathered. Your insurancecompany will investigate, and complete your claim information with theirfindings. They will send an appraiser to assess the damage to your vehicle, andthe other party’s vehicle. If your insurance company determines that the otherparty was at fault, the claim for damages will not go against your policy, andthey will proceed with a settlement with the other insurance company on your behalf.
If at any point you disagree with your insurance company’sdecision, do not sign anything until you seek professional legal advice from areputable personal injury lawyer. You may be entitled to more compensationbased upon who was at fault in the accident, the extent of the damage to yourvehicle, and the severity of your injuries.
Contact Rhode Island Car Crash Lawyer Macktaz NOW — 401-861-1155or CLICKHERE and wewill respond to you as soon as possible.
If you are injured in an automobile accident in the State ofRhode Island you will need to follow a specific procedure to obtain thebenefits and reimbursement you deserve for the payment of your medical bills,automotive damages, wage loss, pain and suffering, and other damages that maybe available to you.
While many insurance companies would like you to settle yourcase immediately through them, and often on the spot of the accident, this isnot always a good idea. In most cases, immediately following an accident youare confused and possibly in shock, not aware enough to negotiate the bestpossible agreement between yourself and the insurance company. Additionally,you may have injuries that you are unaware of, and related expenses as well,and settle for a lot less than the accident will ultimately cost you in termsof medical expenses, lost wages and other damages associated with your injuriesand the accident.
It is always wise to refrain from accepting any offers madeby insurance companies at the scene of the accident. They do not have your bestinterest in mind and are only there to assure that you do not file a claim andobtain the damages that are yours.
The safest course to follow is to get medical attentionimmediately following the accident, and follow-up within a week with areputable, qualified personal injury attorney to discuss what options may beopen to you for recovering your losses.
BASICS ABOUT ACCIDENTS AND PERSONAL INJURY CLAIMS IN RHODE ISLAND
In the State of Rhode Island, the statute of limitations ona personal injury matter is 3 years. What that means is that from the date youare injured in an auto accident, to the deadline for when you can collect anydamages for that accident or injury may not be more than 3 years. This is why aknowledgeable personal injury attorney is a must if you have been injured in acar accident. They will be able to tell you whether you have a situation whereyou can file a claim for damages against the insurance company or in some casesthe other driver as well, and how best to go about pursuing any claim of thisnature.
The standard liability limits, or basic minimum insurancecoverage, required in RI is $25,000/$50,000. This means that if the driver ofthe other vehicle is found liable or negligent in the accident, their insurancecompany will pay up to $25,000 per person injured in your vehicle, but will notexceed $50,000 in total payments for the accident altogether. This basic policywill also cover up to $25,000 in property damage. The choice to includeuninsured motorist is left to the consumer, and is often omitted from thisbasic coverage.
Your medical bills will be paid either by your medical insuranceor by the insurance coverage on the other party’s automobile policy. One notehowever, and a point of contention that most people misunderstand during thepersonal injury process, is that your medical payments will be paid back, ordeducted from any settlement monies you receive by the party that paid them. Insome cases, if they are paid by your medical insurance, you will be required tosign a lien stating that they may be named as a payee in any settlement checks.
This $50,000 limit will also be used to cover any wage loss,pain and suffering, mental anguish, or other expenses incurred while recoveringfrom your injury. If your injury is severe however, your attorney may adviseyou to file a formal lawsuit and proceed to a trial. This will be trueespecially if the insurance company is unwilling to give you enough to coveryour losses.
Contact Rhode Island Motor Vehicle Accident Lawyer Macktaz NOW — 401-861-1155or CLICKHERE and wewill respond to you as soon as possible.
Contact Rhode Island Motor Vehicle Accident Attorney Macktaz NOW — 401-861-1155or CLICKHERE and wewill respond to you as soon as possible.
We represent those injured in a car crash, truckaccident, motorcycle accident, autoaccidents, and other motor vehicle relatedaccidents.
Major Rhode Island Roadways:
Interstate 95:I-95: I-95 is the main north-south Interstate Highway on America’s east coast. In Rhode Island, I-95 travels from the Connecticut border near Westerly through Warwick and Providence and then on to the Massachusetts border in Pawtucket. Routes I-195 and I-295 (discussed below) are spurs of I-95.
Interstate 195:I-195: Travelling a combined 40.1 miles in Massachusetts and Rhode Island, I-195 leaves its junction with I-95 in Providence then heads east to a junction with I-495 and Route 25 on Massachusetts’ Cape Cod. The section of I-195 in downtown Providence is being replaced. The new route will lie just south of the Fox Point Hurricane Barrier.
Interstate 295:I-295: At a length of just 26.58 miles in Rhode Island and Massachusetts, I-295 is short but vital. From its southern terminus in Warwick, it forms an essential western beltway around Providence before ending to the north in Attleboro, Massachusetts. Plans are underway to supplement I-295 with an eastern beltway around Providence.
Other roadways where accidents typically happen in Rhode Island: Route 44, Route 6, Route 24, Route 1, Route 138, and Route 4
Rhode Island Counties
Bristol – Kent – Newport – Providence –Washington
DISCLAIMER: This site and anyinformation contained herein are intended for informational purposes only andshould not be construed as legal advice. Seek competent legal counsel foradvice on any legal matter. Also, the Rhode Island Supreme Court licensesall lawyers in the general practice of law, but does not license or certify anylawyer as an expert or specialist in any field of practice.
DISCLAIMER: This site and any information contained herein are intended for informational purposes only and should not be construed as legal advice. Seek competent legal counsel for advice on any legal matter. Also, the Rhode Island Supreme Court licenses all lawyers in the general practice of law, but does not license or certify any lawyer as an expert or specialist in any field of practice.