Auto insurance claims and personal injury lawsuits in the state of Mississippi are two avenues that victims of car accidents may consider when seeking compensation for their damages. Understanding the nuances between the two can help those affected to make informed decisions and pursue the appropriate course of action.
Auto Insurance Claims in Mississippi
In the aftermath of a car accident in Mississippi, one of the first steps is typically to file an auto insurance claim. Mississippi is a fault-based state, which means that the person at fault for the accident is responsible for the damages. Drivers must carry liability insurance to cover bodily injuries and property damages they may cause. Filing a claim with the at-fault driver’s insurance is known as a third-party claim.
When you file an auto insurance claim, you will deal with insurance adjusters whose primary role is minimizing the payouts for their companies. It’s crucial to understand that you do not have to accept the first settlement offer if it does not adequately cover your losses. Negotiating with insurers often requires persistence and a clear understanding of the true costs incurred from the accident.
The Role of Personal Injury Lawsuits
Sometimes, negotiations with insurance companies stall, or they may deny your claim altogether. Filing a personal injury lawsuit might be the next step in such cases. A lawsuit can be filed against the at-fault driver and potentially other parties, depending on the circumstances of the accident. This legal process allows for a more thorough consideration of non-economic damages such as pain and suffering, emotional distress, and loss of enjoyment of life.
Mississippi’s statute of limitations for personal injury suits is generally three years from the accident date. Acting within these time frames is imperative, or you could forfeit your right to sue.
Comparative Fault in Mississippi
An important notion to grasp when navigating insurance claims and lawsuits in Mississippi is the doctrine of comparative fault. Under this rule, your compensation can be reduced by a percentage equal to your share of fault in causing the accident. Even if you are partly to blame, you can still recover damages if you are less than 51 percent responsible.
Benefits of Hiring a Car Accident Lawyer
Navigating these processes can be complex and overwhelming, especially when injured and recovering from an accident. Hiring a Mississippi car accident lawyer can provide several advantages. A knowledgeable lawyer will be able to:
- Assess the value of your claim
- Handle negotiations with insurance companies
- Ensure you file within the statute of limitations
- Present your case in court if necessary
- Maximize the compensation you receive
Having legal representation particularly benefits those who have significant injuries, are faced with expensive medical bills, or have experienced substantial loss due to the accident.
The Diaz Law Firm: Car Accident Lawyers
If you’ve been injured in a car accident in Mississippi, don’t go through the process alone. Contact the Diaz Law Firm at (601) 607-3456 or (800) 459-2222 for a free consultation. We can guide you through each step, whether you’re filing an insurance claim or considering a personal injury lawsuit. Acting swiftly can be critical to the success of your case. Reach out today for a consultation to discuss your options and ensure your rights are fully protected. Your journey to justice and recovery starts with a call. You can also contact us online.