After an accident, you may be tasked with filing a claim and following up on your settlement with the insurance company. You should report the accident to your insurance carrier as soon as possible. After reporting, ad adjuster will be assigned to work on your case. The tasks of the adjuster will be to investigate the accident, determine whether you need to be compensated.

 

Sometimes, the adjusters may use insurance industry jargon, which can be difficult for you to understand if you have never filed a claim before. Therefore, it's best to educate yourself on some of the jargon before contacting your insurance company. Know more about this in the site at www.siegfriedandjensen.com. Here are the common terms you may hear from the adjuster from time to time:

 

i)             Negligence

 

This refers to the actions or inactions of a driver that do not meet the necessary degree of care as required in the law. Drivers are supposed to exercise reasonable care to protect their passengers and prevent harming other road users. Drivers who do not exercise reasonable care are referred to as negligent drivers.

 

ii)            Subrogation

 

This simply means substituting a person's right to another. For example, the insurance company may have a clause that states it has the right to collect money for bills it should not have paid. Further information about this are included in the details from the site at http://www.huffingtonpost.com/tag/car-accident. For example, if you are involved in an accident and need to be hospitalized, your bills may be paid by both your health and car insurance carriers. When the car insurance company realizes that the bills were also paid by the health insurance company, it can subrogate against you to recover the bills it paid.

 

iii)           Comparative Negligence

 

If both drivers' actions led or contributed to the accident in some way, comparative negligence will be used to describe how much each person's actions contributed. When you are involved in a car accident and file a claim with your insurance company, comparative negligence will not apply. However, if you are filing a claim with the insurance company of the other driver, comparative negligence will apply. The compensation you will receive will be based on how much you also contributed to the accident.

 

Do not simply accept everything that the adjuster says even when you don't understand them. The adjuster is supposed to explain what the industry terms he or she may be using mean. If everything seems complicated to understand, you can hire an accident attorney from the site at http://www.siegfriedandjensen.com/practice-areas/auto-accidents to work with the adjuster on your behalf. The attorneys are specialized in accident law and will know the impact of each term to your quest on getting a settlement.