Getting injured by the hands of someone else or by something is never fun. Sometimes these incidents are just accidents and other times they are brought on by negligence. Some of these cases can get pretty complicated and will revolve around the severity of the injuries, is the harming party has the proper coverage and who is at fault. Whatever the situation is, when something or someone harms you, you are legally owed compensation for those injuries. This is why it is imperative to know how to collect this compensation and that is what you are going to learn below.
Discover If There is Proper Coverage
The first thing you are going to have to do is discover if the opposing parties involved in the accident have the proper liability coverage. For instance, if a motorist hits you, you are going to have to find out if that driver has liability insurance. If a defective product injures you, you will have to contact the manufacturer and find out if they have the proper coverage. This is important because if the opposing party doesn’t have insurance it is likely that you might not be able to collect anything. Sure, it is illegal to drive without insurance, but you would be surprised to learn how often this happens.
You always have the option of using the opposing party, but do they even have anything to take and are your injuries significant enough?
The Claims Adjuster
Once the personal injury claim has been made, you will be contacted by a claims adjuster. The individual will want to get your side of the story. What actually happened and how it happened. The claims adjuster will also want to know the extent of your injuries and how much emotional damage that you experienced as a result of the injury. Keep in mind that during this stage you do not need to defend your claims. You just want to remain calm and relay your side of the facts as they happened. It doesn’t hurt to say that the opposing party was careless while you were being as careful as you good.
Negotiating The Settlement
In most basic cases it will be up to the claims adjuster to calculate the damage from your injury. He or she will take into account medical expenses, lost wages, and the time that you are going to be out of work. This settlement will be presented to you, but it doesn’t mean that you have to accept it right away. In fact, even if the offer sounds good, you should probably avoid accepting right off. Claims adjusters are authorized to offer different settlement amounts and they usually start right at the very bottom.
Always Review The Settlement
The adjuster will probably leave the settlement with you for a few days and give you time to think it over. However, if you are really just unaware if the amount is fair or not, you should speak with an attorney. Make sure you go to one that specializes in these types of cases. Just remember that talking to a lawyer isn’t the same thing as hiring one. There are plenty of personal injury lawyers out there that will be happy to provide free advice.