If you have been a victim of personal injury, you most likely already know how stressful the following process can be. Not only are you making sure your health and safety are in tack, but there is a legal aspect that you must handle with the insurance. In order for your personal injury accident insurance claims to go smoothly, you must have a general understanding of how it all works. Successful claims end in a fair settlement. To know the settlement amount you should expect from your insurance, you want to look into how the insurance decides on the amount. Let’s take a look at how insurance companies agreed on settlement amounts after an insured client suffers a personal injury.
The role of an adjuster Immediately after an accident, victims should reach out to their insurance company, and they will send out an adjuster to verify their claims. The insurance adjuster will check to see if the claim is valid through a thorough investigation. Their main goal is to determine whether the injuries were caused by an accident or done intentionally. Depending on the accident, adjusters will have access to any form of documentation created by the hospital, police, or other parties involved. What sort of injury can be filed? Personal injury claims are filed when a person becomes injured or sick due to an accident. The most common incident that results in a personal injury include: ● ● ●
Car accidents Medical malpractice Worker compensation lawsuits
There are plenty of other reasons, but these are the most common. What is covered in a personal injury settlement? Insurance adjusts to consider the following factors when creating a settlement amount: ● ● ● ● ●
Loss of income and wages due to inability to work Documented expenses from the accident (medical bills, property damage, etc.) Emotional damages Pain and suffering Permanent disabilities
After this process, you might want to consider reaching out to a personal injury attorney to help you gather more evidence before the final settlement. Once your insurance sees that you are working with an attorney, they will know that you are taking this matter seriously and want the best results from the case.