Car accident victims often deal with medical bills, treatments, vehicular damage, lost wages and other losses related to the accident. A car accident can be a serious financial burden for the people involved. Most people are interested in accessing the most out of their coverage if they need to recover from a car accident. Here are some of the strategies that you can use to build a stronger case to maximize your recovery.
Visiting a Medical Professional
After your accident occurs it is important that you visit a medical professional as early as possible to evaluate your injuries. This is one of the most important first steps to accessing evidence for coverage. Even if you’re not experiencing any type of extreme symptoms after the accident, you may experience latent symptoms later on. You may have an injury that you are not aware of that could cause ongoing and chronic symptoms. Visiting a medical professional is important as they will help diagnose these issues and can start early treatment.
Being evaluated by a doctor will get the injuries documented and make sure that there is a record of the treatment that you received. Keeping a record of all of your doctor visits and the cost of treatment will make sure that you can receive proper compensation for all hospital bills, treatment visits, pharmaceuticals and more. Your doctor’s records will show the severity of your injuries and how severely your life was impacted by the injuries that you experienced. If your life has changed significantly since the accident and you have had many visits to the doctor or hospital you might be able to recover more damages in your case. Insurance companies may argue that your injuries are not severe and you cannot challenge them without these medical records. Seeking medical attention after an accident is a crucial step in managing your case.
Recording All Details At The Accident Site
Even though an accident is a stressful and confusing situation, you must remember to record all details of the incident directly afterward. This is one of the most important steps to maximizing your recovery and making sure you are compensated for all of the costs of damages. These are simple ways to record the details.
- Take photos of the site from multiple angles.
- Take up-close photos of all vehicular damage.
- Keep a full police report of the accident
- Document all injuries at the site of the accident.
- Document your personal recovery process and the recovery process of your passengers.
- Keep a record of all medical bills, prescribed treatments and a record of your injury diagnosis.
- Negotiate a fair settlement with your insurance company.
- Record all incidents with the claims adjuster after you’ve submitted a car accident claim.
Your Lost Wages
As well as recording the accident and making sure that you are able to log every detail you’ll also need to log any lost wages as a result of appointments you had to attend, or changes to your health. If you were unable to work as a result of the accident, you will need to consider the lost wages that you incurred throughout your time off. You could be eligible for receiving some form of compensation for this lost time. Getting an insurance company to pay out for these lost wages often involves a series of settlement negotiations.
Your accident may even change your lifestyle completely to the point where you can no longer do your job. If you are in a position where you’ve had to change jobs or you’re no longer able to complete your job, you may want to consider seeking lost wages over time as well.
You may want to consider denying the first settlement offer that your insurance company makes. First offers that insurance companies typically make are often lower than the real value of the case; determining your accident-related losses, the full medical bills, lost wages, property damage, pain, and suffering and more can require real research. You’ll want to find and work with a skilled insurance lawyer that has experience with this type of research so they can help you get a fair settlement offer.
Finding a quality settlement lawyer can be crucial especially if you are seeking an extensive settlement for injuries that could have affected your quality of life permanently. Consulting a settlement lawyer to learn more about what your settlement means or if anything is missed, is important to maximize your recovery.
Contact us today to learn more about your insurance settlement and the options available to you.