If ever you are involved in an accident in which you are injured or incapacitated in any way, you can file a suit for compensation from the insurance company. There are certain important points that you should keep in mind while filing your complaint.
1. Be very honest in describing the injury you have received and do not exaggerate it. This is because the insurance company will carry out investigation of your claim.
2. Do not sign any statement without reading it thoroughly. It is important that you understand each and every clause mentioned in the document. In case you are not sure, it is better you consult a lawyer.
This applies even to the checks you receive, besides the statements that you get from the insurance companies. You must know what the checks cover. Sometimes people are so relieved to get the money that they immediately sign the acceptance of check only to find later on that they have been underpaid or trapped.
3. Reveal details of past accidents and injuries, if applicable.
Do not try to conceal the details of your past injuries or accidents from your lawyer and the insurance companies. There is a central database containing information about the accident and injury cases, which is easily accessible to insurance companies. You may land yourself in trouble if you have made an inaccurate statement.
4. Maintain a detailed record of your injuries, doctors you have visited in connection with the injury and the treatment that you have undergone.
Keep a detailed record of your injuries, doctors who have treated you, therapies you have undergone, appointments, medications, your inability to do your work, and so on. Also mention the customary activities that you participated in before you were injured in the accident. You never know which detail can come in use while settling your injury claim.
5. Mention your post injury condition correctly.
Unless the injury is really severe people recover after the accident and are able to live normal lives. In some cases they cannot perform the activities as efficiently and strongly as they did before they were injured. Whatever your condition and limitations, present them correctly.
6. Beware of the omnipresent video cameras.
There are video cameras hidden almost everywhere in the city and on the highways which record every accident and activity. Please be sure to file your details as correctly as possible so as to avoid embarrassment and loss of credibility
Here are the 5 W's (and 2 H's) to Filing a Personal injury Claim:
ReplyDeleteWho - Are you eligible to file a personal injury claim? If you have suffered a personal (physical or emotional) injury because of someone else's negligence, then you have the right to file a claim against that individual.
What - What is a personal injury claim? Personal injury claims allow those who have suffered damages to recoup the cost of those damages, (plus possible pain and suffering fees) deemed appropriate by evidence and a court of law.
Where - Where do you file a personal injury claim? Personal injury claims should be filed in the county where they occurred. A personal injury lawyer can file your claim for you.
When - Contact a personal injury attorney as soon as possible after the accident. Although there are time restraints in regards to filing a claim, these can vary, so it is best to act as quickly as possible.
Why - Why should you file a claim? Many are hesitant to file a personal injury claim, due to embarrassment or confrontation aversion. Many insurance companies will be happy to settle out of court with you, but usually for a lot less money than you deserve.
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