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The Insurance Claims Process

After a serious collision, injured people must face the insurance claims process

After an injury accident, an insurance claim needs to be filed to ensure that the injured person receives compensation for medical expenses, lost work and wages, damaged property, and pain and suffering caused by the accident. Here is valuable information about the insurance claim process.

When an accident happens, regardless of who is at fault, all parties should contact their insurance companies immediately. The insurance adjusters will acquire information about the cause of the accident and the extent of injuries and property damage.

The insurance companies will then open an investigation. Those involved in the accident will be interviewed and asked to provide any accident-scene photos, names of witnesses, and any other information that has been collected.

Anyone injured in the crash will likely be asked to undergo an independent medical examination by a physician of the insurer’s choice to document the cause and extent of any injuries.

The insurance adjuster will calculate the value of the claim, and will issue a settlement check. If the insurance claim is denied, or if the insured feels that the settlement amount is too low, the insured can appeal to the insurance company.

Calculating Insurance Claim Value

While it is relatively easy to determine the cost of medical expenses and lost income, it's much more challenging to place a realistic dollar amount on the pain and suffering a person deals with after being injured. Insurance companies have developed damages formulas to calculate how much to pay the injured for these types of non-monetary damages.

Denial of Claims and the Appeals Process

There are many reasons why a claim may be denied:

  • The statute of limitations may have run;
  • The injured person failed to submit to an independent medical examination;
  • the type of accident may not be covered under the insurance plan.

If the claim is denied, the insured will receive notification from the insurance company. The insured then has the option to appeal the denial of claim. Appeals procedures vary from company to company, so it is important to review the policy in learn about the appropriate next steps.

When to have a personal injury lawyer step in to help

After having a claim denied or receiving a settlement offer that is too low, many people seek the help of a personal injury attorney who has experience in interpreting insurance policies and dealing with insurance adjusters to obtain the highest settlement possible. Many other people choose to find an experienced injury lawyer soon after an accident, so that the attorney can handle the insurance claim from the start and allow an injured person to focus on healing.

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Harlingen-Weslaco-Brownsville-McAllen, TX

I’m Injured- Do I Have A Claim?

he best way to answer that question is that it depends on the specific facts and circumstance of the incident that led to the injury. While every injury and claim is different, there is certain information that can always be helpful when deciding what to do when you are injured, beginning with being familiar with different types of common injury claims.

Savannah, GA

FREE Special Report – Settling Your Property Damage Claim Without an Attorney

This FREE special report will teach you how to settle your property damage claimwithout the help of an attorney.

In this report, you’ll find answers to questions like:

  • What exactly is property damage?
  • Should I settle with my insurance company or the at-fault insurance company?
  • What steps do I need to take to resolve my property damage-only claim?
  • Does anyone offer any consulting or coaching on how to deal with the insurance company?

Order your FREE report to find out!

Savannah, GA

FREE BOOK – 10 Secrets of Georgia Car Wreck Claims

BEFORE:

you talk to an adjuster . . .

you hire an attorney . . .

you sign any forms . . .

Get this FREE book to learn the SECRETS about . . .

Georgia car accident claims
Common myths associated with car wreck claims
How to find the right personal injury attorney to handle your claim
How to avoid the most common mistakes people make in their auto accident cases

Harlingen-Weslaco-Brownsville-McAllen, TX

After the Accident: Steps You Need to Take

How would you respond if an accident happened and you knew that you were not at fault? That response could make all the difference in the world when it comes to dealing with insurance companies and possible legal consequences, so you need to be aware of the right steps to take to ensure that your rights are protected.

Las Vegas, NV

How to Tell Who Is at Fault in a Car Accident

A crucial part of running a car accident case in Las Vegas involves figuring out who is responsible for the wreck. The process ofdetermining fault in a car accident entails numerous steps. This is crucial, as Nevada is not a state that uses a no-fault policy for insurance claims, meaning that someone will be charged with fault in some way.

Corpus Christi, TX

Should You Talk to Insurance Companies After Your Car Accident?

After being in a car accident, you may experience an unfortunate “15 minutes of fame” as all sorts of different people and parties want to talk to you. The other driver needs your information, paramedics will need to make certain you are okay, and the police might even show up to get a rundown on what led up to the collision. But there is one more group that will want to know about your car accident, and they are the one you might have to be the most careful about: insurance companies.

Joplin, MO-Pittsburg, KS

8 Mistakes to Avoid After a Kansas Car Wreck

Many people who have been injured in a Kansas car accident attempt to handle their own insurance claims. Here is a list of common mistakes people make that can damage the viability of an insurance claim. This list is not intended to be legal advice, but rather it is a list of considerations for working with insurance companies.

Wichita-Hutchinson, KS Plus

No Insurance, Don’t Blame Me

Because of this law, uninsured drivers can’t make a claim for pain and suffering. Drivers who do not have a basic, state-required personal injury protection (PIP) policy at the time of an accident will not have theFULL ability to sue for losses.  Go here to learn more about how this law affects Kansas drivers who are injured in car accidents.

Harlingen-Weslaco-Brownsville-McAllen, TX

Importance of Preserving Evidence after a Major Car Accident

Because the odds suggest that most drivers will eventually experience a major auto accident, it is imperative that every driver know how to respond when disaster strikes. That response includes understanding the importance of preserving evidence after a major car accident. Go here to learn more about why it is crucial to locate and preserve any evidence after a Texas car accident.

Everett-Bellingham WA

If you've been the victim of a DUI, these statistics won't surprise you

It's no surprise to anyone that drinking and driving are unsafe, illegal, and easily preventable. Most of all to the people who have been harmed by someone's terrible choice to drink and drive. But you are not alone, and these statistics back it up. Bill Coats Law in Bellingham, WA has compiled a list of recent figures of how devastating and far-reaching a problem drinking and driving continues to be.

Everett-Bellingham WA

12 reasons to find a personal injury attorney

Without an attorney on your side, it can be like playing football without a helmet or much knowledge of the rules and plays versus an NFL team. When it's yours and your family's financial future on the line, this is not the kind of strategy you want to use. A personal injury attorney is a game changer

Everett-Bellingham WA

Does size matter? In car v. semi crashes like this one, yes it does

A recent catastrophic accident involving two semi tractor trailers and six cars or pickup trucks showed how clearly large trucks have the advantage in an accident. However, does this mean cars are always going to lose in accidents with bigger vehicles? Increasingly, materials and engineering have leveled the field. Read more from Bill Coats Law in Bellingham, WA about top safety ratings for cars

Everett-Bellingham WA

This massive semi and car accident demonstrates that size does matter in crash safety

Though engineering and materials are increasingly sophisticated in manufacturing safer cars, certain factors will always favor larger vehicles. For information on the top five safest vehicles in crashes, and what you should do if you are injured in a car accident, click here for this article from Bill Coats Law, a personal injury law firm in Bellingham WA who helps victims of drunk and distracted drivers.