A bodily injury claim is only legitimate once there’s negligence or injury inflicted on you by another. This claim is usually covered by the individual that caused the injury — that is, if they carry insurance. However, if they don’t, you have to do this on your own. Now, the process of getting this claim is a meticulous and tedious process. So, how do you avoid getting yourself in a standstill from getting that claim?
Uninsured body injury claim means you have to settle this against your own insurance corporation. Here are 6 quick tips to help you get through the process smoothly:
- Seek immediate help: This is a crucial process in a body injury claim. If you just had a car accident, make sure you go the hospital immediately. If you have a personal injury protection, the medical expenses are carried by your insurance company first hand. A thorough assessment for any injuries like a broken bone or whiplash is considered credible evidence. Moreover, this prevents complication associated with any injury.
- Tell every symptom you’re experiencing: Upon assessment, make sure your doctor knows everything there is to know that leads to your present condition. These are used as evidences by the insurance company. If you fail to say this to your doctor, the adjusters will shrug off your claims and not get any insurance at all.
- Make sure everything is done accurately: If your doctor asks you general questions like “how are you doing”, tell your doctor every pain or injury there is. Don’t make the mistake of playing ‘tough’ and say that you’re doing fine — even if you’re not. The insurance adjuster takes this as it is that liberates that company from your body injury claim.
- Always ask for a work release form: This shows to your doctor that your injury might keep you away from work. This can be used as evidence that you are experiencing a substantial injury that can highly increase your pain and suffering award.
- Ask for a referral: Emergency doctors will only see you temporarily. Ask for referrals for a more appropriate doctor to see you after the initial assessment. Insurance adjusters are cautious of individuals of going directly to a physical therapist or a chiropractor just to ‘mend’ the injury. If you want full proof on your claims, a primary practitioner should help you with it.
- Follow up with your doctor and stick to your schedule: These are vital components in a bodily injury claim as well. Visiting your doctor after the incident happened prevents delay in treatment. Talk to your doctor about the symptoms you’re experiencing (and experienced). Also, sticking with your treatment schedule should solidify your claims. If you skip on these treatments, your adjuster finds this reasonable enough not to support your claim.
Making an uninsured bodily injury claim might be a bit tricky to pull off. Make sure you stick to your facts as accurate as possible. The adjuster will be looking thoroughly on your assessment. Once they see that you’re document is inconsistent or see that you hurt yourself (and by any means, was not an accident), then you won’t be able to get that claim and the insurance company wouldn’t be liable to pay for your medical coverage.