Getting injured in an accident isn’t only painful, it’s also a big hassle. You may miss a lot of time off of work because you are running from doctor appointment to doctor appointment. You are likely to need some type of physical therapy and you may also need other alternative treatments.
You are likely to need plenty of painkillers and you may have trouble doing things that you used to take for granted such as cleaning the house and taking care of your pets and children.
When you are injured, you will want to file an insurance claim. There are a few steps you should take to make sure your claim goes smoothly.
What to do When You are Injured
When you are injured in a car accident, you should call the police and wait for them to arrive. When they get there, you should ask for a copy of the accident report and you should never admit guilt.
If you are injured in a slip and fall accident at a business, you should fill out an accident report with a manager. If you are a worker at a business, you should notify your immediate supervisor that you have been injured before seeking medical attention.
Seeing a Doctor
You should see a doctor after an accident even if you feel fine. There are some injuries that are not immediately apparent and it is always a good idea to get an x-ray.
If you do need medical treatment you should save the medical records from each appointment. You should also save the bills for many physical therapy sessions that you may have to have and save receipts from any medications that you may have to take. You should get your employer to write you a letter dating the number of hours you have missed from work.
Calling the Insurance Company
If your injury is the result of an automobile accident in the state of New York, you will want to call your insurance company to report the crash as soon as possible. If you were hurt at a business, you will want to call the business’ insurance company.
The Insurance representative will ask you to provide all of your bills and a copy of the accident report. They will ask you questions about your accident to which you may not remember the answers. You should never let them pressure you into giving an answer. They are likely to want to tape-record you, but there is no law saying that you have to let them. In fact, lawyer Minc advises you not to let them record you.
After you have filed a claim and provided them with the appropriate paperwork, an insurance company will have 40 days to approve or deny your claim. If they approve it, they will make you a settlement offer. You should always talk to an attorney before you accept what they are offering.
A personal injury attorney can tell you if the insurance company’s settlement offer is fair. If it is not fair, they can represent you and negotiate with the insurance company on your behalf. A professional lawyer will have years of experience negotiating with adjusters and they will be able to get you the best deal possible.
Getting injured in an accident is one of life’s hardest experiences. Following the right steps and getting a lawyer can get the ordeal over with quickly.