The Role of Insurance Companies in Personal Injury Cases: What You Need to Know
Personal injury claims can be quite complex, given the number of combinations. They vary depending on the type of injury, whether the injured party was found at fault, and whether the insured party was found to be negligent. Injuries resulting from another party's negligence can give rise to several different types of claims.
They involve compensation for losses, medical costs, lost wages, pain, and suffering. Hiring a lawyer to represent you in your personal injury claim is essential. Self-representation carries several risks, including losing your case, being overwhelmed by all the legal terminology, and losing money. This article will help you understand how an insurance company will approach your claim and inform you about your legal rights in a personal injury claim.
1. Insurance Policies that Cover Personal Injury Claims
Auto Insurance Injury Coverage
The policy covers any injuries to third parties, such as passengers in the vehicle, pedestrians, or other parties involved in an accident. The insurance company covers the other party's medical bills, lost wages, and damages. The injured party must prove that the driver's actions led to the injury to claim insurance benefits. The claimant is liable for a settlement if the driver is found negligent. Residents of Washington can contact a Port Washington personal injury lawyer to represent them in their personal injury claim.
This policy covers injuries to third parties resulting from negligence on your property. The injured party files a claim against the property owner for any injuries from hazards on the property. The injured party must prove that the property owner knew about the hazard and should have taken steps to fix it. This policy also covers injuries caused by pets on the owner's property, like dog bites.
Medical Malpractice Insurance
Medical malpractice insurance is a requirement for a healthcare professional to practice in any state. Medical professionals and hospitals purchase these types of insurance policies. This policy covers personal injuries resulting from negligence while a patient receives treatment or undergoes a medical procedure. The insurance company is responsible for compensating the affected patient for any damages resulting from the negligent healthcare professional. Insurance companies have teams of lawyers to try and reduce the value of the settlement, so it is wise to have an attorney looking out for your interests.
Worker's Compensation Insurance
Worker's compensation insurance is a state-mandated coverage that must be purchased by all organizations designed to compensate employees for their injuries and lost wages. It only applies if the injury was sustained while performing the job they were hired for. The injured party files a claim against the employer for any losses. The insurance company is responsible for paying the injured party for their medical costs and lost wages. Employees should not accept employer payoffs since they lose their right to sue an employer if not fully compensated. Hiring a lawyer to represent you in your personal injury claim ensures you get the settlement you deserve.
2. Understanding the Insurance Company's Process
The insurance company is notified of any accidents and the resulting injuries. The claims adjuster deals with the claims, and the insurance company usually contacts the injured party within a few days of receipt of notification. The adjuster will request a medical report and other necessary documents, including police reports and business documentation, so that they can evaluate the claim. They also investigate the claimant's past personal injury claims and medical history.
The adjuster interviews the claimant and the insured party to gather information about the accident. They use this information and the documentation to determine whether the claim is valid. If accepted, they will make a settlement offer. Your attorney reviews the proposal to decide if it is a fair deal. If your lawyer disagrees with the proposal, they advise you to file a lawsuit to settle the claim in court.
The personal injury claims process can be a lengthy and complicated one. Having an attorney represent you in your personal injury claim is essential. An attorney can help ensure you get the fair settlement you deserve. The attorney guides you through the whole legal process until you receive full compensation from the insurance company.