How do I handle insurance claims after an injury?
March 21, 2024 • Legal Team
Navigating insurance claims requires careful attention to detail and understanding of the process:
Initial Steps
- Report the incident promptly
- Open a claim file
- Get claim number
- Document all communications
- Understand coverage limits
Dealing with Insurance Adjusters
- Know your rights
- Limit recorded statements
- Don't accept first offers
- Get everything in writing
- Review all documents carefully
Common Tactics to Watch For
- Quick settlement offers
- Requests for unnecessary information
- Delays in processing
- Denial of valid claims
- Minimizing injuries
Documentation Needed
- Medical records
- Bills and receipts
- Lost wage documentation
- Property damage estimates
- Expert opinions
- Witness statements
Settlement Considerations
- Future medical needs
- Long-term impacts
- Lost earning capacity
- Pain and suffering
- Quality of life changes
Remember: Consider legal representation before accepting any settlement.