When dealing with fault based jurisdictions, the person who causes the accident is typically the one responsible for all your damages and these losses are sometimes covered by that person’s automobile insurance company. The victim of the car accident needs to present their claim including all documentation to the insurance adjuster. Victims should understand, however, that the adjuster’s job is to pay as little as possible to maximize profits for the insurance company. If the final offer is too low, then the claim is denied and a lawsuit would have to be filed. In that case, the insurance company will provide an attorney to defend the claim. At this point, it is vital that you obtain an accident attorney to assist you in recovery.