Understanding The Personal Injury Insurance Claim Process
The first step in any personal injury claim process is filing an insurance claim. Although the process is straightforward, it can seem intimidating because so few people ever have to do it. The added stress of being injured or financially in need can make the process even more taxing.
To ease any fears or reservations you may have about initiating a personal injury insurance claims process, we’ve put together this explanation of what to expect.
Walkthrough Of An Auto Accident Claim
We chose an automobile accident as our example because it is one of the most common situations in which you may want to file an insurance claim.
Step 1: Notification
The first step in any personal injury claim process is to notify your insurance company about the accident. At the time of the accident, you should have exchanged personal information, including auto insurance information, with the other driver. To notify your insurance company, you simply call your agent or the number provided on your insurance card.
Once you’ve notified the insurance company, they will ask you for some information about the accident and set up a claim. You’ll be given a claim number and someone will be assigned to your case.
Step 2: Investigation
The insurance company representative of the at-fault party is called a claims adjuster. He or she will begin an investigation of the claim to uncover facts and details of the case. They may call you even after you’ve given your statement to the insurance company. They might also contact witnesses or review police reports to obtain the information they need.
The investigation process can move very quickly or may last a long time, depending on the complexity of the situation. You may offer up any additional information you might have, such as medical records, to support your case. Medical records are often required if you are seeking compensation for any injuries you sustained in the accident.
Step 3: Negotiation And Payment
Once the investigation has been concluded and fault determined, the insurance company will offer a settlement. A settlement is a payment that is intended to compensate you for any losses you may have suffered as a result of the accident.
One important point to note: you do not have to accept the insurance company’s settlement offer. You can try to negotiate for a higher amount if you feel the amount offered does not adequately cover your losses.
Seek Legal Advice From Eisenberg Law Offices In A Personal Injury Claim Process
There are many benefits to hiring an attorney when you are planning to file a personal injury claim. Trying to resolve the claim yourself is fraught with danger. The other person’s insurance company is not your friend. They will try and give you as little money as possible.
- An attorney can handle the entire process on your behalf, greatly reducing the stress and apprehension you may be feeling.
- A personal injury attorney will be familiar with the claims process and know exactly what kind of evidence will best support your case and how to present it.
- A personal injury attorney can possibly prevent a court battle by negotiating a settlement on your behalf.
- Legal representation is crucial to securing a positive outcome.
If you are ever involved in an auto accident or a personal injury case of a different type, please contact Eisenberg Law Offices in Madison for a free case consultation. We can help you determine the best course of action before you begin the personal injury claim. Arrange a free, no obligation case consultation by calling 608-200-3698 or emailing Info@EisenbergLaw.org.