Personal injuries can be a result of either your own or a different party’s fault. You are entitled to claim compensation if you were involved in a slip and fall accident, a pedestrian accident, medical negligence, a car accident, an animal attack, or if you were subjected to defective products. When you are injured, you will be stressed due to medical bills and lost wages, and you might be desperate to find a solution to the problem. Settling the injury claim can be challenging, and although some people resort to quick settlement schemes, they fail to consider future issues that might arise. With this in mind, it would be appropriate to know the steps that you should take to handle an injury claim properly, and in so doing, you get fair compensation for the trouble that you have undergone.
1. Get a Demand Letter
Get a demand letter, fill it, then send it to the insurance company.
If you experience difficulty in filling the letter seek help from a trusted friend or an attorney.
Ensure that you include the lost wages, the pain that you have gone through, medical bills, among other information that you consider relevant.
Should the insurance company refuse to compensate you, then it means that you will have to file a lawsuit.
It could also mean that they have a lower settlement offer that would be insufficient to cover your medical costs.
Besides, if you lack enough evidence that supports your claim, or the insurance company claims that you are the liable party; you might experience challenges with the insurer.
Bottom line, ensure that you fill the demand letter and deliver it to the insurance company.
2. Consult an Attorney
To increase your chances of receiving fair compensation, you should have an appointment with an attorney.
During the meeting, your attorney will collect information concerning the case, and they will help you determine whether you stand a chance of winning the case.
The attorney will ask you to identify the negligent party, the details of witnesses, the injuries that you have sustained, if you had prior injuries and whether you admitted fault.
If you were involved in a car accident, a truck accident or a personal injury accident, it’s always advisable to seek free consultation from a dedicated team of lawyers.
You are stressed at this moment, and these lawyers who have specialized in personal injury and bad faith insurance claims will explain how the injury cases are handled.
A good lawyer will request medical reports at the hospital where you received treatment, and they will make an effort to obtain photos and police reports at the place of accident.
Besides this, an attorney will handle all negotiations with the insurance company on your behalf since they operate in your best interest.
They will do everything in their power to ensure that you receive fair compensation.
3. File a Lawsuit
If you fail to come to terms with the insurance company or if they deny your claim, then you have the right to file a complaint.
Ensure that the complaint has all the details outlined in the demand letter and provide all the necessary supporting documents that will act as evidence in a court of law.
As earlier stated, the claim process can be complicated; therefore, you should consider leaving all legal matters to a professional attorney.
4. Gather Evidence
The injury claim process in most states in the United States heavily relies on the gathered evidence.
When you are involved in an accident, it’s always advisable to take photos of the crime scene, and you should collect details of eyewitnesses.
Besides, to stand a better chance of winning the case, you should have records of lost wages, police reports, medical records, and insurance claims.
These documents will be used as sworn evidence during the claim process.
5. Don’t Accept Liability
You have a right to remain silent when you are involved in an accident.
Some people admit liability, and this could reduce your chances of getting compensation, or your statement could be incriminating.
Besides, you should never be in a hurry to agree to any settlement offer with an adjuster.
Insurance companies have the habit of settling matters quickly; therefore, to be safe, speak to an attorney, and consider future costs that you might incur before you agree on a deal.
Injury claims can be challenging to handle by yourself; hence, it’s always advisable to seek legal help from an attorney.
You stand a better chance of winning the injury claim with a lawyer by your side.
Besides, ensure that you take the necessary precautions and avoid quick settlement offers from the adjuster.