The most common type of personal injury or wrongful death claim in Minnesota involves car accidents, truck accidents, motorcycle accidents and bus accidents. Traffic accidents may be caused by many factors such as driver negligence, defective equipment, or faulty warning systems. People traveling in these vehicles, however, are not the only ones at risk of being injured or killed. Thousands of innocent bystanders, including pedestrians and bicyclists, are killed in Minnesota each year by vehicles of all kinds.
A typical auto accident insurance claim begins with an accident. At the scene of a Minnesota accident you should exchange information with the other drivers and in most cases call a police officer. Next you should contact your insurance agent soon after the accident and begin filing the insurance claim. The insurance company will be working on behalf of the negligent driver immediately after the accident. The insurance company will have an adjuster investigate the accident claim. The adjuster will review the police report and contact other drivers and any witnesses to the accident. The adjuster will also ascertain the amount of your medical damages by reviewing your medical bills and records. Then the insurance company sends out a settlement offer based on the facts of your accident and medical records. Generally the settlement offer is on the low side so it is extremely important that you work with a Minnesota attorney to ensure that your legal rights are represented and you receive a full compensation for your damages.