The Many Benefits Of A Personal Injury Accident Claim Policy
The number of injuries happening to people every year has been consistently going up
. Many individuals feel that since they are usually well covered through a motor insurance policy for injuries because of car accidents, they need not bother much about taking any other cover.However, it is always advisable to seek protection from more than one insurer so that you get the benefits of better compensation and do not have to depend on just one service provider. After all, each has its own advantages and considering that you cannot predict how long a particular injury may render you immobile or unable to go about your normal routine, it pays to take more than one insurance cover for personal injuries.
Moreover, the complexities and delays associated with motor insurance compensation is something not everybody can afford to tide over and very often you may have to take lawyer assistance to get you the necessary insurance benefits. It is necessary therefore to have a back up protection plan. This is where the personal injury accident claim policy cover offered by general insurance service providers comes in handy and it is necessary for you to know its utility and scope.
Despite having the backing of these policies, it is generally advisable to take the help of an experienced personal injury claims lawyer. That is because these lawyers know the nuances of the law and would be able to get you the right compensation far quicker than what you would be able to manage on your own. They would be able to represent your case to the insurance service provider more forcefully as you would not know how much to ask for and in many cases, the insurance service provider has got rid of claims from policy owners by just paying them the minimum amount that is legally binding on them.
There is also the time limit within which you must make the claim as otherwise the claim would not be honoured. So the first thing to do is to hire a lawyer and not do anything on your own that would render your case a weak one.
Broadly, there are some other benefits listed below that you can qualify for as part of your personal injury accident claim settlement.
a) Replacement of income - You would be able to get up to 80% of the income that you lost due to not being able to attend to your work as you did before the accident. This has a cap of $400 per week.
b) The non-earner advantage - If for some reason you are unable to attend to your work at all even after a duration of twenty-six weeks or half a year, then you would also qualify for an additional non-earner benefit to the tune of $185 per week and it goes up to $320 per week if you are a student or have just graduated.
c) The caregiver advantage - Under this, you can get to provide for individuals in your family who are below the age of sixteen and this is because you are no longer being able to provide for them due to your own injury.
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