To settle a personal injury insurance claim, the injured party must file a claim and gather evidence. Medical expenses and loss of wages are common claims. A personal injury lawyer can help strengthen the case. Negotiations for a fair settlement are common, and the initial amount requested is rarely received. The claims adjuster may offer a counteroffer, which can be rejected or accepted with negotiations. Once accepted, a confirmation letter is sent to the insurance company.
Before a personal injury insurance settlement is reached, the injured party must file an insurance claim. After all the evidence supporting the claim has been gathered, a written settlement request is sent to the insurance company. Medical expenses and loss of wages are the main types of claims in a personal injury insurance arrangement. Some people may also claim a personal injury award for pain and suffering. Negotiations for a fair settlement are the norm and the injured party rarely receives the initial amount requested.
A personal injury claim is typically filed before the investigation process begins. The timely filing of a claim is especially important if there is a statute of limitations, which is a time limit for establishing a claim. As soon as possible after an accident has occurred, the injured person should start collecting evidence to support his or her personal injury claim. The evidence is an attempt to establish who was to blame for the accident.
Some people may hire a personal injury lawyer whose firm will investigate the incident and gather pertinent details to strengthen the case. Where appropriate, photographs are taken and records of visits to the hospital or doctor’s office for medical treatment are collected. The number of days off work is also documented.
Once the details of the accident have been gathered, a written claim letter is sent to the insurance company. Both the injured party and the legal representative will send the letter to a representative at the insurance company. This formal request for a personal accident insurance agreement is a basic outline of the strengths of the case against the insured.
Why the insured is responsible for the accident and subsequent injuries is discussed. The letter must explicitly indicate the amount necessary to cover the medical expenses and personal losses suffered after the accident. This amount is usually more than the amount an injured person expects to receive. Requesting a high insurance income leaves room for negotiations.
The claims adjuster for the insurance company can respond in writing or by phone with a counteroffer to settle the accident insurance. The claims adjuster may raise questions regarding full liability for the accident and some of the medical treatments. The offer is usually much less than the amount requested in the demand letter.
The lawyer representing the injured person can decide whether the offer is fair and advise whether to reject or accept it. If the offer is rejected, negotiations continue with both parties providing arguments to justify the offer of accident compensation. Once the offer is accepted, a confirmation letter is sent to the insurance company.
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