If you’ve been injured in a car accident, the first thing that happens is that your insurance company will talk to you. The insurance investigator may be an experienced adjuster or someone who’s never done this before. Either way, they’re looking for ways to reduce their losses and get what they can out of the claim. This means that they’ll want to know all about your injuries and how they occurred so they can negotiate on behalf of their client (the insurer).
First things first: what does your insurance company say?
What they say is important. If you don’t know this, then it’s easy to be confused by the claims process and lose faith in your injury lawyer in Cayuga or adjuster. The information that comes from an insurance company is not always true. Sometimes they’ll lie about what happened in order to avoid paying out on a claim (and this can happen even if there is no money at stake). Other times, they’re just trying to hide something from you until after your case has been closed.
Requesting Official Records
To begin your insurance investigation, you should request official records from the appropriate source. The types of records that are considered official include:
● Police reports and statements from witnesses; these can be used to prove liability or negligence on behalf of another party in an accident or incident.
● Medical records; this includes any doctor’s notes or other documentation related to your injury. The doctor may have written down information about your symptoms and treatment as well as any tests performed on you following the injury.
Responding to the Claims
As you prepare for the claim process, do not forget to respond to the adjuster’s questions and provide documentation. The more information you provide, the better your chances are of getting paid for what was wrongfully done to you.
The adjuster may ask for copies of your medical records, which should be provided as soon as possible after receiving them from a doctor or other medical professional who has examined you. It is important that these documents are legible so that they can be used by your insurance company later on in their investigation process if necessary; otherwise, they could be questioned if given an opportunity by another party involved with this case.
Investigating the Injured Persons
Ask questions about the accident. The injured person should be able to tell you what happened, including how many cars were involved and how long it took for them to get help.
Ask about injuries. The injured person should be able to tell you whether they have suffered any broken bones or other injuries as a result of their accident; this may include specific details like whether or not they’ve been diagnosed with whiplash in addition to any numbness or weakness that might occur as a result of hitting an object during the crash.
Medical Authorizations
The next step in the process of your personal injury claim is to request medical records. You should be sure to get all of your medical records, including any test results and doctor’s notes. When you receive them, don’t just look at what they say; make sure you understand what they mean as well.
Avoid Recorded Statement
● Do not give a recorded statement to the insurance company.
● Do not give a recorded statement to the police.
● Do not give a recorded statement to anyone else, including your attorney or adjuster if you have one.
