Lawyers can be unnecessarily expensive, principally in a effortless Car accident insurance asseverate. Typically, a advocate Testament charge you 33 percent of an adequate state vastness. So yet whether a solicitor can extract enhanced from the Car insurance firm, you may bound up getting less cash than whether you had settled yourself. That is the justification why it makes notion to place your own Car accident Insurance claims, chiefly the smaller ones, where the injury is toddler and the divulge is not actual booming.
Instructions
Before and After An Accident
1. Provided you way to levy your own Insurance claims in the impending or whether you retain even-handed had an accident it is prudent to hardihood fini the "conditions" intersect of your policy. There are definite duties that you as an insured man must perform after an accident, commensurate limiting the loss. Not succeeding these conditions may be held against you at a sequential leaf.
2. Proceeds as many photographs as feasible, both of the scene and any injuries you might include sustained. Besides, collect and amass the Announcement abstract from the investigating police officer. This Announcement Testament come in especially handy provided you are not at wrongdoing.
3. If the insurance agency contacts you, do not be in a hurry. Indicate to the company when you will be ready. Do not make any recorded statements even if insisted upon by the insurance adjuster.
4. Ask for a referral from your doctor. If you go directly from the ER to the chiropractor, questions may be raised.
5. Make sure you keep all appointments with your doctor and follow all his instructions religiously. If you skip appointments, the injuries may not appear as serious to the adjuster as you said it was, or he may accuse you of not doing everything possible to receive well soon.
Filing the Claim
6. Espy a Physician at once. Insurance companies are wary of humans who celerity to record their claims and next bang to the Physician. Advise your doctor all the details of your injury and grief caused by the accident, on the other hand trivial you may anticipate it is. The insurance adjuster Testament energy through these records and any discrepancy, he will exploit. Remember that it is not mandatory to do so and any recorded statements may be used against you if there is any discrepancy.
7. When you are ready and sure that no further expenses will arise because of the accident, submit your claim. It must contain a brief introductory letter to the adjuster, all photographs available, the investigating officer's report and the medical report.
Sample introductory letter to the insurance agency
To
The Insurance Adjuster
Xyz Insurance company
Abc city
Dear Claims Adjuster,
I, Mr. Tom Hansen, would like to settle the claim arising out of the accident caused by Mr. Robert Kupper, driving his Honda City, license No. xxxxx, insured with you. I have enclosed all the documents to substantiate my claims, including photographs, police statement and bills. Below is a brief description of the event.
Date of the accident : 10 / 10 / 2010
Time : 2.00 PM
brief description of the accident: (This should include the description of the accident itself, the various injuries and pain you suffered, detailed explanation of all your visits to the doctor, chiropractor physiotherapist and also any other inconveniences caused. )
Claim amount
1. Ambulance charge $xxx
2. ER charges, including x-ray, doctor's fee and prescriptions: $xxx
5. Any further loss as a result of the accident: (you might have had to hire a maid) $XXX6. Future medical bills expected: $xxx
3. May Fred, RPT fees: $ xxxx4. Lost Wages (documents enclosed): $xxxx
7. General damage: (this is for the pain and suffering caused and usually one should ask 3 to 5 times of the total cost incurred
So including all the above, I demand a settlement of $xxxxx. Kindly respond to the demand with your offer within two weeks.
Thanking you
yours truly
Mr. Tom Hansen
8. There is no steadfast rule about how much to claim. The thumb rule is to ask for the total medical expense plus loss of income due to inability to perform routine work multiplied by three. Alternatively, you may let the insurance company make the offer and take it from there.
