How is a liability claim handled?

A liability claim is a legal action someone may take against another person or company for any damages they have suffered. In Washington, a liability claim is handled by filing a complaint with the responsible insurance company. This complaint is typically accompanied by documentation that supports the claim, such as medical bills, medical records, police reports, or witness statements. Once a claim is filed, the insurance company will investigate and review the case to determine whether the responsible party is liable for any damages. During the investigation, the insurance company may collect witness statements, review medical records, and inspect property damage. The investigation may take several weeks or months to complete depending on the complexity of the case. Once the insurance company has finished their investigation, they will decide whether the responsible party is liable for any damages. If the insured is found to be liable, the insurance company will reach out to the policyholder to settle the claim. The policyholder is responsible for paying a portion or all of the monetary damages. If the insurance company does not believe the insured is liable for any damages, the insured may decide to pursue further legal action. This legal action may take the form of an arbitration panel, where a neutral third-party mediator is appointed to review the case and make a decision. If a party cannot reach an agreement, they may seek a trial in court. In Washington, liability claims are handled in accordance with state insurance laws and regulations. It is important to talk to an experienced attorney to ensure all of the legal steps are followed throughout the process.

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