How to Effectively File an Insurance Claim

File an Insurance Claim

What is the right way to go about filing an insurance claim? Before seeking legal counsel there are a few things an injured party can do right away to increase the success of their claim. 

  1. Go to the Doctor.
    1. The first thing is to immediately go to a doctor and clearly communicate your injuries without leaving out any details, including prior injuries and how this injury is different.
  • No-Fault or At-Fault State?
    • Next, determine if your state is a no-fault state, which would prevent you from suing the other party for damages that are under $1,000. Kentucky is a no-fault state while Ohio is an at-fault state. Therefore, the location of the accident could broaden your options for suitable defendants.
  • Don’t take the first offer.
    • Another thing to remember is that you don’t have to take the first offer. If your insurance company is attempting to diminish your settlement or is denying liability entirely hiring an attorney is the logical next step.

Damages for soft tissue are calculated by the cost of past, present, and future medical bills, lost wages and earning potential, and physical pain and suffering. Pain and suffering are the most difficult to quantify and prove in court, which is why hiring an attorney especially when it comes to minor injury to soft tissue is necessary in order to attain fair compensation and protection from the complete dehumanization implemented by software programs like Colossus and its derivatives.

An even more shocking element of the Colossus program is that it evaluates your projected settlement by legal representation. Depending upon whether the attorney you hire is prone to settling or plays hardball the computer program will adjust your settlement accordingly. Rendering higher settlement offers for those that hire an attorney with a reputation for getting the best offer possible for their client. This is why it is so important to consult a lawyer when submitting a personal injury insurance claim because the provider might be withholding their best offer until certain legal counsel is acquired.   A reputable attorney’s involvement alone will force the insurance companies to give deference to that individual’s claim and will reduce the likelihood of low initial offers.

Don’t let a procedural loophole be the reason your claim is devalued or dismissed. Instead, contact the Law Offices of Christopher Jackson so we can do the work for you. Call us at 859-261-1111 for a free consultation and more information.

Contact Christopher Jackson Law to get it right.