So, if you get an offer from your insurer, and they also promise to send the check to you overnight, what can you do if you don’t feel comfortable with the whole situation?
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.
Texas law requires every driver to carry insurance when operating a motor vehicle. But, waving a magic wand and requiring everyone to do so by law doesn’t mean that everyone will follow through.
Bellingham car accident victims take heed: what you say can and will be used against you in your accident claim
If you are the victim. It nearly never occurs that you will hear the adjuster handling your case admit that their insured customer is the one liable for the collision.
Please remember that even if an adjuster sounds sympathetic and friendly, they are not on your side. You must pay close attention to their questions, and assume that they are looking for anything that can reduce your claim.
Because they cannot take the documentation or word of the plaintiff as truth, insurance companies look to these agents to look into all claims submitted and make sure they are legitimate.
Insurance companies need to find out who is “at fault” in a car accident. The investigations they conduct are intended to do this.
There are no winners in such injuries. The severity of brain injuries can take many forms and come with a tremendous number of complications. A Traumatic Brain Injury, or TBI, caused by an accident is a devastating diagnosis.
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.
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In the Fourth Corner, we are blessed with lots of rainy weather. But no road is immune to rain. For advice on keeping yourself and your car's occupants safe on wet roads, click for this article from Bill Coats Law, a personal injury firm in Bellingham, WA.
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Bill Coats Law, a personal injury firm in Bellingham, WA, specializes in wrongful death lawsuits and the complexities of car accident cases. A common question when family members come out of the fog and trauma of losing a loved one in a car accident is what kinds of damages are available to help them dig out of the financial tragedy. Click to read about your rights in wrongful death lawsuits.
Negotiation, strategy, experience and skill - all of these qualities make a personal injury claim reach a successful verdict or settlement. But here is one key aspect that can easily be overlooked by personal injury attorneys working with injured people. Bill Coats Law, of Bellingham, Washington, is the top car accident law firm in the fourth corner and writes on this basic human quality that wins cases.
How could you sue a driverless car! Once these vehicles hit the road en masse as projected - 10 million by 2050 - accidents may go down but they won't go away. Bill Coats Law of Bellingham, Washington writes on issues for car accident claims where fault is disputed by the machines.
Empathy. Bellingham, WA car accident attorney Bill Coats writes about how even the toughest lawyers win cases using emotion and empathy.
Since everything you tell them might be used to downplay the accident and reduce your claim, it pays to talk to an attorney before negotiating with the insurance company. So how to choose the right one? Lawyer Bill Coats in Bellingham, WA discusses key characteristics of good lawyers in this article.
The symptoms of TBI can be subtle, even things that most people experience now and then normally. But the effects of them can be serious, even deadly. Click to learn more from personal injury lawyer Bill Coats of Bellingham, WA about how to recognize a TBI and the #1 thing you should do immediately if you hurt your head in a car accident.
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