Claim Process with Personal Injury Attorney Coeur d’Alene

Process of Filing a Claim with a Personal Injury Attorney in Coeur d’Alene

The thought of initiating an insurance claim or lawsuit against the responsible party may seem daunting to say the least for the injury victim whose only exposure to litigation is Law and Order. Oftentimes, the injured are too bewildered by the seemingly chaotic insurance and civil claims system to even follow through with a lawsuit – and may accept a low-ball agreement offer from the insurance company instead. However, as a personal injury attorney in Coeur d’Alene, I can substantiate that – with the correct lawyer offering guidance – a claim or lawsuit can be feasible and get you the reward you need.

Each case is different. But the majority follow the process described below.

1. Meet With & Hire An Lawyer

At The Sargent Law Firm, we offer no cost consultations so you have nothing to lose by talking about your case with a personal injury attorney. When you meet with your lawyer, discuss the following issues:

  • What occurred
  • Who you think is responsible
  • What evidence you have
  • What damages you interred
  • What (if any) communication you had with the other party or insurer

If you retain us, we will get to work on filing the claim with the appropriate insurance company. We will set to work investigating your accident to evaluate liability.

2. Investigate Your Accident

As your attorneys, we will work on getting a copy of the accident report, start negotiations with the insurance adjusters, and collect and present appropriate evidence. This includes:

  • Photographs of injuries or property damage
  • Medical records and bills
  • Documents establishing wages and lost earnings

It is important to get a full accounting of your medical condition and injuries before you settle your claim. Otherwise, you might settle your claim prior to fully understanding the long-term effects of your injuries.

3. Negotiate a Settlement with the Insurance Company

The insurance adjusters will review your case and come up with an offer to settle your case. The initial settlement is usually low and does not account for all of your damages, short- and long-term.

Before you accept any settlement offers or sign any papers, let us review them. If you accept a settlement offer, you cannot reopen the claim later to get more compensation.

We will continue negotiations If we decline the first offer – which is often the case. The timeframe during which negotiations take place varies depending on a lot of factors. In many cases, we are able to reach a fair settlement. But in some cases, the insurer refuses to offer fair compensation and we must file a lawsuit.

4. File a Personal Injury Claim

In Idaho, the Idaho Code of Civil Procedure governs the personal injury lawsuit process. Under these laws, the lawsuit process officially begins when the injured party – known as the “plaintiff” – files a complaint in state court naming at least one defendant as allegedly responsible for the injuries. The complaint must set forth at least the following information:

  • The name of the court and county within which the complaint is filed.
  • The title of the action, including the names of all the parties.
  • A statement of the facts giving rise to the cause of action.
  • A demand for judgment and relief.

Once complete, the complaint and accompanying paperwork is filed in county court, at which point the defendant is under a deadline to initiate a response or counter-claim.

Statute of Limitations: The statute of limitations for personal injury lawsuits in Idaho is two years from the date of the injury. There are some exceptions though:

  • If you did not discover the injury right away, it is one year from the date you discovered it.
  • If you are suing the government, you must first make an administrative claim within six months of the injury. The government then has 45 days to respond. If it denies the claim, you have six months to file a lawsuit from the date of denial.
  • If the plaintiff is a minor, then the statute of limitations starts to run when the minor turns 18.
  • The statute of limitations for medical malpractice cases is three years from the date of injury, or one year from when the patient discovered the injury, whichever occurs first. If the event that caused the injury is a foreign object left in the patient’s body, the one-year rule applies but there is no time limit on when the surgical mistake occurred.
  • Rules for medical malpractice involving minor children differ. The statute of limitations is three years from the date of the malpractice. If the child is under six, the claim must be commenced within six years or before his eighth birthday, whichever is longer.

Contact a personal injury attorney to get started today!

If you are unsure about the personal injury claim or lawsuit process in Idaho, please do not hesitate to contact The Sargent Law Firm today: (208) 600-6000.

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