FAQ When Dealing with an Insurance Service Provider
Right after you let others know that you have injured someone in an accident and attempt to file an injury compensation, you may be receiving phone calls from several insurance companies which want to have a talk with you about the incident, in your first talk, that will most likely be happening prior to filing a claim for your compensation called the demand letter, you must follow by these several principles:
- Identify the person you are talking with, the insurance company she or he represents and the insured person.
- Remain polite and calm.
- Set limitations on further phone contacts.
- Resist any negotiations to settle your compensation once and for all.
- Take notes about the important details you received during a phone call and whatever details you gave to made of the adjuster of the insurance.
- Give only limited personal details such as your address, name and phone number are complete.
- Do not give information about your injuries or the accident.
How do I file a legal claim for reimbursement for my personal injuries?
After you make a decision what insurance company should pay for the injuries and you collect all the evidences required in order to establish the claim, you should send the company a letter of demand. This demand letter is a crucial element of your claim reimbursement process because it is very important that you write it well and carefully. A demand letter may include the following strong arguments:
- How much income you have lost?
- What other damages you have suffered?
- What type of medical attention you have had and how much that cost?
- What were your injuries?
- If you’ve no-fault vehicle insurance, why are you qualified for a compensation claim against the insured one?
- Why does the person insured legally liable for the injuries you suffered?
How do the insurance companies make decisions on how much they will pay someone’s claim for the injury?
While the last payment figure all depending on some negotiations with the person injured, the insurance companies and attorneys do have a formula to calculate an estimated claim for compensation for the injury. In general, if you have been hurt, you can expect to be compensated for:
- Lost income
- Medical care
- Loss of family, educational and social experiences
- Permanent and temporary pain and some disability and discomfort
Will my paid sick leave from job or health insurance coverage limit my claim for compensation for the accident?
Either you paid for your own medical care or your health insurance covered, it’s not a claim adjuster’s business at all. Also, either your lost time at your job was covered by a vacation or sick leave pay. As a matter of fact, it is not appropriate for an adjuster even to look for such payments. You paid your health insurances and earned your vacation or sick leave pay; now, it is the time for the insurance company of the person who hurt you settle all the payments. Contact a dependable personal injury lawyer in Colorado Springs if you need help in this matter.