How to Navigate a Personal Injury-Related Insurance Claim
Most people expect their insurance policy or the responsible party's insurance carrier to provide compensation in cases of personal injury due to the negligence of another party. However, in reality, the process of pursuing a personal injury-related insurance claim can be fraught with difficulty and can often result in the claim being denied.
To help you recover the compensation you deserve for your injuries, this article has outlined some helpful tips to follow when navigating a personal injury-related insurance claim.
Examine Your Policy
When pursuing a personal injury claim under your own insurance policy it is advisable to read through the policy and understand what coverage it offers you. In many cases, a claim is denied by an insurer due to specific policy exclusions that limit coverage for certain types of injuries or incidents. There may also be coverage limits which means that the maximum compensation you are entitled to may not fully cover all of your damages.For example, an auto insurance policy with Personal Injury Protection (PIP) may have a coverage limit of $10,000. This means that in the event of a car accident, the insurance company will cover the policyholder's medical expenses and other related costs, up to a maximum of $10,000. However, if their total expenses exceed the PIP coverage the policyholder will have to pay the remainder themselves. Understanding your policy can help you to navigate the claims process more effectively and avoid any potential pitfalls.
Document Everything
Before agreeing to a payout, an insurer is likely to scrutinize a claim to verify whether it is valid or not. Seeking the help of a skilled attorney with experience in insurance disputes such as Howard Yegendorf, can be beneficial at this stage.As part of the claim process, the insurer will carry out an investigation of what happened, reviewing documentation such as police reports, witness statements, medical records, and any other relevant evidence. They may also request an independent medical examination to verify the extent of your injuries and scrutinize any pre-existing medical conditions in an attempt to avoid or reduce the amount they pay out. It is essential to have sufficient evidence and documentation of your injury and related expenses to avoid any denial of your claim.
Be Cooperative
By cooperating and providing the requested information and documentation promptly, you are helping to build a strong case that supports the validity of your claim. This proactive approach demonstrates your willingness to be open and honest, which can deter insurance companies from engaging in bad faith practices such as unreasonably delaying or denying valid claims. Your cooperation shows that you are acting in good faith and genuinely seeking a fair resolution to your claim, helping to establish trust and credibility.By following the guidance outlined here you can successfully navigate a personal-injury-related insurance claim and receive the compensation you deserve.
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Posted - 07/24/2023
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