In our second part of the informative series “My Neck, My Back”, we explore the condition of Radiculopathy, a common condition caused by traumatic neck and back injuries during motor vehicle collisions.
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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.
Sometimes people are involved in automobile accidents and the use of a cell phone is a cause or a factor in the accident. If you have been in an automobile accident and you believe that the other driver was using a cell phone when the accident occurred, you should take the following steps...
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Determining the actual value of your car accident claim, and therefore how much you should ask for in return from the liable party’s insurance company, is a straightforward and simultaneously complicated process. It can be simple in terms of vehicular damage. If you have been physically injured as a result of the car accident, you will need to know the cost of your own recovery, which is far easier said than done. Read more here about how professionals determine your claim value.
Well the short answer is, there is no time limit on them and you must impose a time limit on them. As an attorney we have ways of placing deadlines, that’s why it’s always recommended you reach out to a Savannah personal injury attorney.
The fact is that you may need a personal injury lawyer to properly protect your rights and interests, and that attorney will need certain information to properly assess your case.
Of course, that’s not the only misconception that people tend to have about personal injuries and this branch of the law. Below, we’re going to dispel several common myths.
To help you get through the after effects of a car accident, there are a series of steps and hints you should always take and remember, regardless of the details of the incident.
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.
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!
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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
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.
Not all auto accident injury lawsuits in Las Vegas will operate in ways that people expect. There are numerous misconceptions that people need to be aware of as their cases are being handled in a court of law.
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.
But while fraud is a very real problem, it only makes up a small percentage of overall claims. And even those numbers should be taken with a grain of salt, because they tend to be put out there by the insurance companies themselves or organizations closely affiliated with them. Read more here about common myths related to personal injury claims.
Often times in a personal injury lawsuit, there can be a surveillance video of the incident. Whether it was a slip-and-fall, an auto accident, or an intentional tort, there may be footage of the incident if it is in a public place. This footage can help improve the strength of your case.
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.
Regardless of what type of insurance you’re carrying, the company underwriting your policy wants you to believe that it has only your best interests at heart. The problem is that this is all too often not the case.
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.
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.
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.
After a car accident, most of your well-meaning friends will shower you with advice. A lot of what you hear might sound like it makes sense, but is nowhere near true. Go here to read about the common misconceptions about injury accidents.