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Personal Injury Insurance Claims Process |
Article Submitted by: Cristian Stan
Monday, 22 February 2010
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You don't need an attorney to settle an insurance claim for personal injury. In most cases, these settle without any attorney present. This happens because there are large costs and legal fees associated with situations like these. If you learn how to go through the process and handle the claim, you might save a bit of money, while getting bigger injury compensation.
Your first meeting with the doctor is when the claim process starts for your case of personal injury. Once you get treatment, you are officially known as injured. If someone says that you have an injury similar to a headache, he will usually not get any type of payment, unless they see a very clear proof of the injury. In most cases, an insurance company will attempt the settlement of the claim for injury insurance. This happens when they offer you a sum of money, in exchange for the signature on a document stating that you will not make any type of claim against the company. Plenty of insurance adjusters will try to get the settlement right from the beginning, when they first talk with you. Over the phone, they can record the conversation and use the agreement you give them. You can choose not to settle, in which case your claim process will go on. The treatment you get and the medical bills which show up will be paid by the insurance. You will receive a form for medical authorization from both companies, asking you to give permission for them to get the records and medical bills. If you don't sign this form, your medical bills don't get paid. They need to see the records since they pay the bills, so it's only logical that they know what they pay for. The defender's insurance company doesn't need this form signed, at least not until they settle. After the medical bills get paid, your insurance company will get their money back from the insurance company of the party that was responsible. This only happens when you reach a settlement agreement. This entire process can take three years, but it depends on the limitations statute of your state. The claim process for the personal injury is mostly focused on the medical treatment that you'll get. You will receive letters from the carrier of the insurance, asking for medical condition reports. If they think that you get too much treatment, they might send letters to the company where you have your insurance, saying that they don't want to reimburse the medical bills. Article Source: http://www.ArticleBlast.com |
About The Author:
Visit PersonalInjuryLaws.Net to learn about personal injury claims, personal injury funding and why you need personal injury attorneys.
Visit PersonalInjuryLaws.Net to learn about personal injury claims, personal injury funding and why you need personal injury attorneys.
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