Do you really need a help with an accident claim? You can certainly try and deal with the Insurance Company on your own. We find that most people who have suffered major injuries would rather have someone else deal with the adjuster. They would rather have someone help them with gathering documents. They would rather work on healing and have someone deal with all the calls, correspondence and medical providers who want payment.
Documents to Prove Your Claim
The Insurance adjuster will require certain documents from you before they will pay your claim. The purpose of filing an accident claim is to take care of any out of pocket expenses. This is done by requesting payment for medical bills, wage loss etc. So what types of compensation are you entitled to? What documents do you need to prove your claim? At the very minimum you will need copies of all medical bills and records. If you are claiming time off work, you will need a disability note from your treating doctor. Finally, you will need a letter from your employer. They will outline any time missed, what you normally get paid and any vacation or sick time used.
Damages and Compensation
Damages are the amount of compensation an injured person can collect from the at-fault driver. These usually fall into two categories: economic and non-economic damages. Economic damages are losses you can document through invoices, receipts, pay stubs, and other kinds of paperwork.
Examples are as follows:
- Doctors’ bills
- Hospital Stay bill
- EMS invoice
- Rehabilitation expenses
- Lost income
Non-economic damages are more subjective in nature. They don’t come with a weekly report or monthly invoice, but they are just as real.
Examples of non-economic damages are as follows:
- Pain and suffering
- Mental anguish
- Loss of consortium
- Aggravation of pre-existing injury
Non-economic damages are more difficult to recover. This is because they are so subjective in nature. Insurance adjusters often dispute the amount of non-economic damages sought by a car accident victim. They usually take the position that the victim is either exaggerating or lying about their pain. Insurance adjusters work with claims all day long. They are familiar with most of the local medical providers, chiropractors, and specialists. They have read the medical providers’ opinions on permanent injury, and are aware of the relationships these providers may have with certain lawyers. This may affect how credible they believe a claim to be. Further, they view certain doctors’ opinions to be more credible than other physicians’ opinions.
Adjusters have been trained to evaluate injury claims including the recovery time for the most common injuries. Therefore, they already have a pre-conceived idea of what your claim is worth, even before you submit your paperwork. If a victim wants more than what the insurance company believes is a “reasonable” amount, then he will need to document why the claim is worth that amount. This is usually where the fight comes in. The adjuster’s job is to pay the least amount they can get away with. As a result they have no concern for you or your injury. Finally, they have no concern for how this accident has devastated your life and your family.
Once you have jumped through all the hoops and you’re still not being treated fairly, give us call. It’s what we do. Available 24/7 @ 801-553-0505. Let’s just talk about your claim. The consultation is free.