How to File an Insurance ClaimHow to File an Insurance Claim
Notify the property owner/manager of your fall so that they can keep track of it. It should go without saying, but seek medical assistance as soon as possible. Make contact with a personal injury lawyer. Insurance companies are notorious for fighting slip-and-fall claims, and you’re unlikely to get very far without the help of a lawyer.
As soon as you are able, contact your insurance provider. They’ll have a record of everything that happened to you, as well as your medical records. You want to learn as much as possible as soon as possible. They’ll want to talk to you on the phone, and you’ll want to talk to your personal injury lawyer.
Make your statement as specific as possible. When necessary, it is beneficial to write down crucial data or learn them by heart. Keep in mind that your lawyer is on your side. You want to give your injury lawyer as much information as possible so that they can assess your case and choose how to proceed. They’ll know how to defend you against a defense attorney and win you reasonable compensation.
If you caused the accident, admit it. Because of the severe consequences of admitting fault in a slip and fall claim, you should never do so. You risk jeopardizing your injury claim if you do so. If the victim accepts fault, some insurance carriers and defense lawyers are wary of attempting to negotiate a reasonable payment on a slip and fall lawsuit.
It’s possible that you’ll be required to present medical records to back up your claim. If this is the case, be careful to give the records yourself or have someone else do so before speaking with the insurance company. It is beneficial to have your medical records reviewed by a personal physician or surgeon. Even if your records aren’t enough to recover compensation, they can assist the attorney figure out how much to ask for.
Note that insurance company personnel will almost always give you a settlement that is far less than what you are entitled to. If you have medical records, give them to them at the same time. Their offer is merely that: an offer. If they want to bargain, they will drop or raise their offer.
As soon as possible after the accident, you should speak with your attorney and/or your insurance carrier.
When you have an accident claim, it is vital to have the correct medical coverage in place. Other difficulties may arise in the course of a dispute. For instance, if you were in a collision with an uninsured driver, if you had an uninsured motorist coverage, or if the policy was not in effect.
The more medical coverage you have, the more money your insurance company will pay you. Always keep in mind that if you file a claim for benefits, the insurance company may lower your coverage or even deny your claim.