a. You should file a third party claim if you are reasonably sure the auto accident was the fault of the other party. After you make a claim, the insurance company will look at the claim and determine who was at fault. If it is the person they insured, they will determine the amount of damages to offer you. They usually do not make an offer until all the medical treatment is finished.
b. If their offer is acceptable to you, then they will ask you to sign a release and they will make the payment to you. If you do not feel that they are compensating you enough, you can reject their offer and they may make another offer. If you still are not happy with their offer, then you can take the matter to court.
c. Contact IIHC. We can refer you to a Kentucky personal injury attorney who can answer questions about your legal rights. Do not wait – the best time to contact us in regards to a car accident is right after the accident occurred.