Dealing With A Vehicular Accident Injury Claim? What You Should Be Prepared To Provide An Insurer
Getting injured in a car accident is a major ordeal that comes with a variety of hoops to jump through after the fact. One of those things will be dealing with insurance companies. At some point, an insurance adjuster will request information about the circumstances of your injuries. The following documentation may be requested by your auto insurance company during the claims process for your injuries:
In order to receive a claim for injuries sustained in a car accident, you will need to be evaluated by a medical professional. If you have not done so yet, you will have a more difficult time getting paid for your injuries.
After your medical evaluation, the insurer will request that you send your medical information so that they can evaluate the extent of your injuries. This can include some or all of your x-rays, list of medications prescribed, and the physician's notes.
There is a limit to what the insurer will need, but they may request it anyway. However, keep in mind that you can decline sending in some or all of this information if you feel as if it is too invasive. In this case, just ask what they intend to do with that specific piece of information. Depending on their answers, you can opt to not send certain documentation if it does not directly relate to your claim.
In addition to this documentation, they may also request a full medical report. This report is a document that inherently describes your injuries in great detail. A doctor that will discuss information that is not detailed in your other documents prepares it. This can include information about how you were affected by the injury as well as any negative long-term damage or disability you may have.
In addition to medical documentation, the insurer may ask that you have a second exam with an independent physician. This can happen if the insurer has a suspicion that the injury you suffered was not inherently due to the accident. You are not required to comply with a second exam, but it will help your case if it ends up in court.
In most cases, the claims process is straightforward and not difficult. You should be aware of your rights when an insurer requests information from you. In the event you do not feel like you are being treated fairly or if an insurer is not willing to provide you with an adequate claim, you can seek legal assistance to advance your claim.