dealing with medical insurance claims

Dealing with an insurance company after getting into an accident can be very demoralizing. Although you pay a premium to become insured in the event of an accident, insurance companies are a business first and foremost and would rather not pay a huge payout to their insureds if it can be avoided.

This is why insurance adjusters are assigned to claims to make sure that they give you the smallest amount possible to cover your claim even though you may be entitled to more by law. Whenever you are involved in an accident, although it is possible to file a claim on your own, you should hire a lawyer to assist you with your claim.

Protect Yourself When Filing a Claim

Whenever you have to file an insurance claim, you should take certain steps to ensure that you are not being taken advantage of. Before you file a claim, consider the following steps:

  • Gather evidence. Compile all of the evidence relevant to your claim. This could mean taking photos or obtaining contact information, medical records or documentation regarding any diagnosed conditions or injuries sustained. The more information you have, the more likely you are to get the most out of your claim.
  • Don’t tell all. Insurance companies are going to search for any reason to lessen the overall amount you are awarded from your claim. Be careful what you say to an insurance claim adjuster because it may very well affect your claim. To know how to deal with an adjuster, it is wise to retain a personal injury attorney to help you with your claim.
  • Get an independent estimate. The insurance company is going to conduct their own estimate of the cost of your losses, but you should not simply take their word for it. Obtain an independent estimate so that the insurance company does not have the only say.
  • Don’t sign a release. Until you have had time to conduct your own independent estimate, compile all necessary information for your claim and consult with an experienced attorney, you should avoid signing any kind of release or taking the first amount offered.

The process of filing an insurance claim can be a tedious and time-consuming one. Going through the process alone will only complicate things. Contact Campbell & Associates today for help with your personal injury case.

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