Personal Injury Claim Hints From An Insurance Adjuster

by

Nick White

Personal injury is often a result of a serious auto accident, and the consequences are usually complicated. As a victim, you incur expenses that include medical bills, pain and suffering, lost wages, and damage to your car. After an accident, you are probably in shock and will be unable to make the best decisions. Your first obligation is to get medical treatment without delay. Shock can hide symptoms that indicate serious injury, so go to a hospital emergency room as soon as possible.

Insurance Adjusters: You have to talk to an insurance adjuster soon after an accident, and you are probably ill-equipped to do so. Your inexperience with filing a claim is no match for a professional who investigates claims like yours frequently. To protect your interests, you need to hire a personal injury attorney to represent you.

Based on the information that you provide, the adjuster researches your history to find claims that you may have made for previous injuries. The statements that you make give an adjuster a way to challenge your honesty in court if you go to trial. An attorney is accustomed to dealing with insurance companies, and you can benefit from the experience of a legal representative.

An important recommendation is to understand that adjusters use the latest technology to record everything that you say about the accident, your injuries and even minor technicalities that can affect your claim adversely.

Pain and Suffering: Insurance companies use a formula to determine your compensation if your attorney presents a valid claim. An allowance for pain and suffering may equal as much as three times the total of your medical bills, but every aspect of your care is open to challenge by the insurance company. The extent of your recovery is one factor in the calculation of your settlement, and your ability to prove your actual financial damages is another. Even the credibility of your health care provider is open to question.

Lost Wages: To get paid for time that you lose from your job, you have to prove that your injuries are responsible for your inability to work. A letter from your doctor can verify your medical condition, but you need written proof of your lost wages. As an employee of a company, you can probably get a statement from your payroll office. Many people are self-employed today, and it is difficult to establish lost wages if you are among them.

Damage to a Vehicle: The retired adjuster recommends that you let your insurance company pay for the repair or the replacement of your car. The appraisal clause in your policy entitles you to challenge the value that is offered if your car is a total loss. The other driver\’s insurance company can offer to give you a check to cover your car\’s repairs, but you may regret accepting it. The release that you sign can disallow you from getting a fair price when you sell your car.

Nick White is a freelance writer with a background in political science. He recommends Will Davidson LLP 220 Bay St #1400 Toronto, ON M5J 2W4? (416) 643-3832 for highly skilled and expert team of lawyers.

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By Angel CH

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