In the event that you were involved in an accident, you would most likely need to file a claim with your insurance company in order to receive benefits from your policy.
You should begin by informing your provider that an accident has taken place as soon as possible. The failure to submit notice might make matters more complicated and may even result in a claim being rejected.
Notifying your insurer is different from submitting a claim to them for payment. After you have gathered sufficient evidence for your claim, which should include the extent of your damages as well as proof of those damages, you will send it in along with a demand letter.
When an insurance company gets a claim, they have a legal obligation to investigate it within a reasonable amount of time after receiving it.
Your insurance provider has the option of granting the claim in its entirety and paying you the total amount that you asked, granting the claim in part and paying you a portion of the amount that you wanted, or denying the claim in its entirety. You retain the ability to file an appeal of the decision in the event that your claim is rejected in its entirety or in part.
In the event that a settlement is presented to you, you retain the ability to refuse it and make a fresh offer. This going back and forth could take quite some time. An ultimate offer will be made available to policyholders by the insurer at some point in the future. You have the option of appealing the decision or proceeding with the lawsuit if you choose to turn down the offer. Once you accept the settlement, your personal injury claim for damages is closed.