posted by Admin on Jun 25
If you’re involved in a motor vehicle accident, if you get injured on a neighbor’s property, or if you slip and fall in the grocery store, you’re going to need to file a personal injury insurance claim. Your insurance claim is the interface between you and the insurance company representing the person who was responsible for your injury, be it the driver, property owner, or store owner. When you file your claim, make sure you do so correctly, to avoid complications or the possible denial of your claim.
If you’re seriously injured, you’ll probably wind up in the emergency room. If you aren’t sent there from the scene of the injury, go to the emergency room yourself. Have your injury documented. Get a diagnosis and X-rays. Describe every symptom you have, to the smallest scrape or bruise. Forgetting to mention an issue or deciding that it’s not worth mentioning can lead to a denial of treatment if the injury becomes aggravated. Sometimes it takes days for an injury to fully manifest itself, so don’t be shy when detailing your injuries to the emergency room physician.
A serious injury may require time off from work. Rather than waiting until the next day to see whether you feel well enough to go to work, get a doctor’s note to stay home. This will further document the extent of your injury.
A few days after the injury, go see your primary care physician. Explain your injuries and how they’ve worsened or improved. Don’t be too quick to pronounce yourself healed, especially with a back or neck injury. Symptoms may take a long time to show.
The insurance company will probably want you to have an exam by a physician they employ. Be sure to completely detail every bit of your injury. An omission at this point can cost you the entire claim. Explain how this injury has impacted your life. Detail how it will affect you in the future. Talk about therapy and rehab.
It’s easy to file a personal injury insurance claim, but it’s also easy to file it incorrectly. If you need, get a lawyer to help you. As long as you adequately document your injury and its effect on you, you’ll prevail in your claim.
This article is not intended to be legal advice. It is meant for information purposes only.
Before making an insurance claim, speak with Attorney Ken Allen, who can help you with your claim and case.