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.
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.
There are many reasons why a claim may be denied:
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.
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.
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 best way to win the damages you think you may be owed is by retaining the help of a personal injury attorney with experience in car accident cases.
If you suddenly became a victim of a car accident, it is important to know the appropriate steps to take.
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.
If you’re injured on the job in Texas, what are your rights? It’s not so clear. Texas doesn’t require workers’ comp.
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.
Essentially, the clients are giving the attorney the OK to represent both their family and the other family, acknowledging that this could potentially mean competing interests.
Regardless of the severity of the collision you were involved in, there are important things to know about how a motor vehicle collision could affect your insurance premium moving forward.
My client is confused as to why their own insurance company is left with the bill. I assure my clients that they have been paying an extra premium every month to their insurance company for this EXACT scenario.
Discovery is an important part of the litigation process in any case. It is the time period, after a lawsuit is filed, that allows you and your attorney to learn about the Defendant and their perspective of the incident.
In order to be as prepared as possible in the unfortunate instance that you are in an auto accident, don’t stress yourself out even more than you will be. Print this guide out and keep it in a small bag in your glove box with a pen, paper, and a camera.
It is important to remain calm and collected in order to ensure that you take the proper steps following a car crash. Frantically yelling at the other driver or forgetting to exchange information can seriously harm you in the case you decide to file a claim.
If there are witnesses I would get their name, address, phone number — you can download the Herrman & Herrman app and it tells you everything to do on there.
The insurance companies want to settle claims under the true value to make money. IT is very simple folks, if the insurance companies did not make money by supplying you with insurance benefits, THEY WOULD NOT PROVIDE YOU INSURANCE BENEFITS.
Motor vehicle accidents that whipped people’s necks abruptly were long theleading cause of traumatic spinal cord injuries. However, the new study puts falls in the No. 1 position and suggests that new solutions are needed to prevent falls and spinal injuries.
One of the most-studied factors has been the issue of age to see whether certain age groups have more accidents than others. The question is obvious: does age appear to play a role in crashes and, if so, which age group has the most car accidents?
The violence of any motor vehicle collision can often cause serious neck and back injuries such as protrusions or herniations. When this occurs, injured parties will often visit an orthopedist or pain management doctor who will recommend a series of ESI’s which will provide pain relief and reduce swelling in and around the damaged discs and corresponding nerve roots.
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.
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.
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...
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.
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.
