It’s one of the hardest times in life – after a debilitating accident. No one wants to be in this situation, but what if you are? You don’t have to go it alone. Because negotiating with the insurance company to try to get your bills covered just as your policy should be designed to do, can feel like David phoning up Goliath to try to make a deal. There are personal injury attorneys who spend years specializing in these kinds of situations. Sometimes all it takes is having one represent you to start a process in motion that would lead to a very different outcome than if you were to try to work with insurers yourself. For a list of questions to help you decide if an attorney can help you, click here.
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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.
While state and county regulations play an important role in preventing tragic accidents, not all public pools fully implement these regulations, which can have devastating consequences.
It's important to remember that the insurance company isn't on your side. Their primary motivation is to protect their profit margin, not to help you in your time of need.
Despite the strict food safety and handling regulations put in place by the federal government, thousands of people are still hospitalized for foodborne illnesses every year. In fact, the Centers for Disease Control and Prevention (CDC) reported that as many as 128,000 people are hospitalized for food poisoning on a yearly basis, of which around 3,000 tragically lose their lives.
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.
Typical New Year’s resolutions include losing weight or changing careers, but you’ll also want to make sure you’re financially protected if you’re in a vehicle accident. That’s why you should talk with your insurance agent and ask for a copy of your declaration page, which lists the details of your coverage.
Unfortunately, bringing new consumer products into our homes can also increase the risk of injury in an accident. Even the most seemingly benign products can cause injuries when they are defective, and consumer product accidents can affect anyone at any time.
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.
Insurance companies are hard to deal with when you need to make a claim. They don’t make the process easy. They don’t always pay the bills they should pay. They don’t always make fair offers to resolve claims. They often delay, deny, and defend legitimate claims to boost their corporate profits. It is no surprise that insurance company are disliked by almost everyone.
Whether the insurance company calling is your ownPIP coverage1 or the other driver’s insurer, you should always be careful what you say. Adjusters have specific ways of asking questions and eliciting certain answers to try to avoid liability whenever possible.
It is important to remember that Florida has a four-year statute of limitation for filing a law suit involving a car accident.
Florida is a no-fault insurance state requiring every driver to carry insurance to cover their own physical injuries regardless of who is at fault, and vehicle insurance coverage to cover damages to the other vehicle if you are at fault.
So the next time you or a loved one are involved in an auto accident and the insurance company representative (no matter how nice and helpful they seem) asks you to sign something, you tell them your attorney told you…
DON’T. SIGN. ANYTHING. Go here to learn why...
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?
Anytime you’re injured in an automobile accident, don’t expect the insurance company to treat you fairly. In 2015 alone, the Arizona Department of Transportation reported 116,609 total car crashes with 36,139 accidents including injuries. The insurance company’s primary goal is saving money by convincing you to settle for the lowest dollar amount. Learn more here about how insurance companies try to reduce their payout.
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.
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...
Since most of these ATVs can top out at speeds of 55mph and because they can weigh as much as 600 pounds, these design instabilities can cause devastating injuries or even death.
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.
You’ve been in an accident. You’re injured. The steps you take next (or don’t take!) will have a significant impact on the outcome of your personal injury claim. How can you avoid the mistakes that can damage your injury claim? Read how here...
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...
One of the most common areas for a car accident to occur is at an intersection.Intersection car and motor vehicle accidents account for over 60 percent of all vehicular accidents. Knowing the most common types of intersection accidents and how they occur can help you remain safe while on the road. Learn more 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.
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