Making a successful bodily injury claim
You make a claim for bodily injury when you get hurt due to the negligence or fault of another person. In such a case you will usually be dealing with the other person's insurance provider. However, in case the other person does not have liability coverage it is your own insurance company you will need to turn to. Negotiation is a skill. However there are many ways to have a successful bodily injury claim settlement.
Useful tips for bodily injury claim settlement [http://www.ampminsure.org/auto/bodily-injury-claim.html]
* Get yourself checked by a doctor. If you are involved in an accident and carry personal injury protection (PIP), your medical bills will get paid through your own policy. Disclose your symptoms to your doctor. They will note them down and this will go into the initial report. Insurance adjusters will review these reports minutely and try to find holes in the report. So, be sure to specify the pain and suffering you are going through.
* When you speak with your doctor, be careful with what information your give out. The kind of information you give out will determine the value of your claim. Your doctor may casually ask you how you have been doing. If you are off guard, you may just tell him about the fishing trip you took last weekend or that you mowed your lawn or anything similar that might suggest to the investigator that your pain is not worth the claim you have made. So, be on your guard and do not tell him anything that might make your accident look less painful.
* Ask your doctor for a work release. Most injuries do not affect until the nest 2 or 3 days so you may not understand on the first day of accident. When the injury does show its effect, you may find it difficult to come back to the doctor to get the work release. This will also convince your insurer that your injury has been serious and that has been certified by the doctor too.
* You may ask your doctor for a referral. Some individuals may choose to go straight to physical therapist or a chiropractor and insurance companies are suspicious of such people. If you ask for a referral, you may be at an advantage already.
* Visit the doctor that has been referred. Delay in such a case may not be beneficial for you in terms of your health. Make sure you tell your doctor about all the symptoms that you have. If you do not mention about your pain, your adjuster might think that it was not intense which is why you didn't mention it.
* Adjusters usually decrease the value of your claim if they see you being irregular with your check ups. They will hold it against you by saying that since you missed treatment you must not be in pain. This will definitely decrease your claim amount. Your bodily injury claim settlement will come down because of this gap.
Useful tips for bodily injury claim settlement [http://www.ampminsure.org/auto/bodily-injury-claim.html]
* Get yourself checked by a doctor. If you are involved in an accident and carry personal injury protection (PIP), your medical bills will get paid through your own policy. Disclose your symptoms to your doctor. They will note them down and this will go into the initial report. Insurance adjusters will review these reports minutely and try to find holes in the report. So, be sure to specify the pain and suffering you are going through.
* When you speak with your doctor, be careful with what information your give out. The kind of information you give out will determine the value of your claim. Your doctor may casually ask you how you have been doing. If you are off guard, you may just tell him about the fishing trip you took last weekend or that you mowed your lawn or anything similar that might suggest to the investigator that your pain is not worth the claim you have made. So, be on your guard and do not tell him anything that might make your accident look less painful.
* Ask your doctor for a work release. Most injuries do not affect until the nest 2 or 3 days so you may not understand on the first day of accident. When the injury does show its effect, you may find it difficult to come back to the doctor to get the work release. This will also convince your insurer that your injury has been serious and that has been certified by the doctor too.
* You may ask your doctor for a referral. Some individuals may choose to go straight to physical therapist or a chiropractor and insurance companies are suspicious of such people. If you ask for a referral, you may be at an advantage already.
* Visit the doctor that has been referred. Delay in such a case may not be beneficial for you in terms of your health. Make sure you tell your doctor about all the symptoms that you have. If you do not mention about your pain, your adjuster might think that it was not intense which is why you didn't mention it.
* Adjusters usually decrease the value of your claim if they see you being irregular with your check ups. They will hold it against you by saying that since you missed treatment you must not be in pain. This will definitely decrease your claim amount. Your bodily injury claim settlement will come down because of this gap.
Source...