How To Settle A Personal Injury Claim
Just had an accident? Thank god you have personal insurance
. Do not thank god so soon. Claiming reimbursements can be a whole lot of trouble. In this article we help you to understand how to settle a personal injury claim.The first and the most crucial step to making a claim is fortifying the fact that the accident did not take place due to your own negligence. This very basic step can be the hardest to prove. Hence, after an accident always try to get valid evidence. Gather witnesses and carefully note down the conditions prevailing at the time of the mishap. You may also want to preserve articles like damaged wares to be produced in front of the insurance company.
Seeking medical assistance for your injuries is important to you and preserving the papers is important to gaining compensation. Always keep the medical reports and bills with you. Make sure they are by certified doctors and hospitals and are on a legal paper. Usually, claims made on the basis of prescriptions on simple unlettered paper are not entertained for compensation purposes.
Next, go to the nearest police station and lodge a report. Try to be as vivid as possible since the insurance company will take the version of the policy into account. Check that the account has not been twisted before signing it. Obtain several copies for you own record and for the company.
Finally, let us look at how to determine a claims value. Never go over the board while making a claim but also never underestimate your loss. First, assess the damage to your property. This value is the basic claim. However it is usually tripled to account for non physical damage. You may also add value to you claim on the grounds of medical assistance and repair costs.
Once you have decided on a claim the next step will be notifying the company and the second party involved in the accident. The insurance company will look into the matter and give you compensation if your case can be proved.
Never hurry through a settlement. The insurance company of the responsible party may offer out of court settlement. Accept this if you feel it compensates for your losses. However, if the responsible party has considerable assets, you must consider moving a higher court. It may get you a bigger compensation.
However, we must understand that the insurance companies have no emotional inclination towards the sufferer and will try all in their might to dismiss the case. You may have to involve a legal attorney . If you cannot afford it courts offer free legal assistance as a constitutional right. After the final decision, if you feel you have been wronged move the insurance company in the court. If your case is genuine, you must do this . The court will treat you, the responsible party and the insurance company as three different entities. Patience with persistence are the two qualities that must be remembered along with the above information on how to settle a personal injury claim. Who knows when it might come handy.
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