If you or your loved one were injured in an accident that demands compensation due to someone’s negligence, your first step would be to seek medical treatment to secure a fair settlement.
But even after seeking medical attention, many obstacles may lender the insurance company denying your injuries. And if in such a situation, you may wonder what to do to ensure your claim stands.
Accidents Where Injuries Are Disputed
If you were involved in an accident and believe the insurance company is treating you unfairly based on your injuries, you should raise the concern. Any injury dispute means that you will not get a fair settlement, and your claim will be denied. There is always a chance to come up with a solution. You may find it easy to have the best Alaska accident attorney walk you through the process in some cases. There are two main reasons why your accident injuries may be disputed:
- The seriousness of your injuries
- The medical bills spent for the injuries
After the dispute, immediate investigations may start. It becomes vital to have records of why you disagree with the insurance statements about your injuries. You may be required to give a statement; you should have your lawyer guide you on what to say.
You don’t want to make a statement that will jeopardize your settlement. In such a dispute, your accident lawyer may advise you to have a compelling demand letter detailing your side of the story. An action can only be taken when you produce the proper medical evidence to show how injured you were and the losses involved. In any demand letter, you will be required to indicate all the significant facts that the medical documents recorded your conditions and how they affected and will affect your future.
Dealing With The Insurance Company
If you were involved in an accident and your claim was denied based on injuries, you need to notify the insurance company immediately of your need to make a dispute. For instance, you may be involved in a car accident, and the at-fault driver insurance company claims that your injuries were not serious. You must fight this by providing the proper evidence. Nowadays, insurance companies have tough tactics in car accident disputes. Which means one must have proper representation to level the playing field. If your injuries have been disputed, there are few things you can do to secure your grounds for compensation. You may be required to provide:
- Doctor’s report on your injuries and any medical complaints: After an accident, a victim should tell the doctor everything they are feeling. If you hold back, this may turn out against you when filing up a dispute claim. Any time an insurer disputes your accident injuries, they need causation. Your doctor is better positioned to clearly and concisely prove the severity of your injuries and how they have led to your pain and suffering. Your doctors’ report should include everything from his/her finding and all the details related to medical treatment. That’s why it’s advisable to ensure you follow doctors’ advice so as not to risk your health and provide clean records during the dispute.
- Amount spent on your medical treatment: You need to check how your medical expenses have been calculated closely. This is one area in which the insurer may easily pin you down on your claim. The amount could include what you spent on diagnosis, therapy among others, and if you took time to heal, this might indicate that the amount of treatment escalated due to the time spent on recovery. You should be keen on any treatment provided by others, such as chiropractors, therapists, etc. The insurance company will be curious about any money spent on services provided by a non-physician, and they are likely to offer a lower settlement. With the right medical treatment, you secure your personal injury case.
In such instances, it always prudent to be mindful of some of the malicious insurance tactics, especially when there is a dispute. Thus, you should be careful about what you say when asked about your injuries. Again, it’s also careful not to agree to sign anything you don’t understand. Even if they try to explain anything, make sure you involve your lawyer to guide you as you might hurt your dispute case.
You Need Lawyer’s Help
With the confirmation of injuries, the insurance company may not argue much. But if you choose to go without any legal help, you can only increase your chances of being ignored by the insurance company.
Experienced accident lawyers understand how it’s crucial to help victims whose injury claims had been disputed. If you are wondering how to deal with your disputed injuries, you can contact an accident lawyer to offer advice on maintaining or increasing the value of your claim after a dispute.