To file a whiplash claim, report the accident to your insurance company and seek medical treatment. Keep records of all expenses and update the insurance adjuster throughout the process. Negotiate the settlement amount and seek legal help if needed.
A whiplash claim can be filed if you sustained a whiplash injury from an automobile accident or other accident, regardless of fault. A whiplash claim can be filed against the at fault party’s insurance company or even against your auto policy if you were at fault. Of course, if you’ve been at fault, you’ll be compensated if your policy includes coverage for no-fault medical payments, sometimes called personal injury protection (PIP). You will need the treatment your doctor thinks is necessary to stabilize your condition in the first place. Keep a record of all doctor visits, out-of-pocket expenses, and your day-to-day feelings to present to the insurance company.
To file a whiplash claim, follow the filing instructions on the back of your insurance card to report an automobile accident. When you talk to the call center representative who receives information about the accident, let them know that you were injured. If your car accident claim has already been made, please contact your insurance adjuster to inform them of your injury. The sooner you tell the insurance company about your injury, the better. Please provide full details of your injury on first contact if possible.
If you are filing a whiplash claim against the insurance of a party at fault, you may be advised that you must also file an injury claim with your insurance company. It’s normal. A whiplash claim can be a lengthy process, and you won’t receive a settlement until after you’ve completed treatment, which means none of your bills will be paid right away. You should still seek and receive the proper medical care. Don’t delay treatment for this. If you have adequate coverage, your insurance company can manage the payment of related medical expenses as they are incurred and then claim reimbursement from the insurance company in the event of a breakdown.
Insurance adjusters will follow up with you throughout your whiplash claim. Provide them with updates during the application process to keep them up to date with your condition and treatment. Keep a written log to be delivered at the end of the complaint. Maintaining this record will help ensure that none of your visits or inconveniences are missed as you prepare for settlement. When you complete your treatment, notify the assessor and send a copy of the ledger along with any copies of your receipts for out-of-pocket expenses.
During the liquidation process, it may be necessary to negotiate with the appraiser. Don’t sign anything other than a medical clearance until you are comfortable with the settlement amount. The medical clearance will need to be signed, however, so the insurance company can collect your medical records to support your claim. Once you have agreed on your settlement, read all the documents carefully, sign them and return them to receive your compensation.
If your insurance adjuster is uncooperative or you feel you are being treated unfairly during your whiplash claim, try contacting the adjuster’s supervisor first to resolve the matter. If you’re still unable to make progress, make you want to speak to a personal injury attorney. A personal injury attorney will handle the insurance company for you and should be able to reach a favorable settlement with the company. However, a whiplash attorney will take a portion of your settlement.
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