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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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Mobile, AL-Pensacola, FL

Alabama man convicted of state’s first texting-while-driving manslaughter case

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...

Laredo, TX

Can Social Media Ruin My Claim?

For anyone involved in a personal injury case, discussing your claim on social media can be a serious mistake. If you’re one of the 2.2 billion people using these social platforms, then you need to know how social media can ruin your personal injury case! Learn more about how to protect your claim here...

Corpus Christi, TX

How to Determine the Full Value of Your Car Accident Case

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.

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.

Miami-Fort Lauderdale, FL

4 Common Myths about Personal Injury Law

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.

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.