Handling an Insurer During a Case
If you've watched enough movies in your time, you've seen stories where insurers are these evil entities trying to make lots of money. Well, they are trying to make money, but they are not always doing so by breaking the law. On the other hand, you have to be careful when you are dealing with an insurer. This how-to post will help you successfully work with an insurer after a personal injury.
What is your injury?
You have to understand what happened to you. That means not rushing this process. You should know the full extent of your injuries, and that takes time. You may have to wait as long as a year to know the full extent of an injury caused by a car accident, for example. You might not know about another broken bone until the doctor finds it. You may be unaware of emotional trauma until months after the accident. So give this process time.
How much will it cost?
You should also know about all the costs for your injury. If an insurer refuses to pay for your medical expenses, it's time to start proving fault. But before we get into that, the value of your personal injury claim depends on numerous factors, namely what happened, how bad the injury is, and how your current state is. The more emotional trauma you have, the more compensation. The more damaging the injury, the more compensation. And the more pain and suffering you go through, the more compensation.
Who's at fault?
In a personal injury claim, to get the process started you have to notify the party at fault prior to making a claim. So you make sure the insurer knows you have been injured and will require compensation. Depending on what happened, fault is not always clear and may require some legal help. Police reports are the final word, but in court witnesses to the accident can also be called. These things can get quite complex, but often fault is obvious and proving it is a formality.
Who can help?
A lawyer can help. Hiring a personal injury lawyer is a big decision. You need someone with personal injury law experience, as this is no time to use a family lawyer. You need someone who you can afford, of course. You need someone with in court experience. You should hire someone who you can also communicate well with; if you can't communicate with them, the case may fall through.
Personal injury cases need not be like walking through a mine field. If you have no idea of what occurs, your lawyer is your guidepost. Rarely if you have a clear case will the suit even go to court; the insurer will settle.