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Five Tips for Getting what You Are Entitled to in an Insurance Claim

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When accidental injuries occur as the result of someone’s reckless or negligent actions, you may be entitled to compensation for the damages you suffer in an insurance claim. Insurance policies, such as those covering your home, car, or other property, are in place for just these types of occasions. Unfortunately, getting these companies to pay on your claim can prove challenging. At our office, we can represent you in these cases, negotiating with the insurer on your behalf. The following are five tips which can help you get the money you are entitled to in a settlement.

Get What You Are Entitled to in Your Insurance Settlement 

Insurance companies project the image that they are on your side. The fact is nothing could be further from the truth. According to a report from the American Association for Justice, insurance companies routinely take in more than $30 billion in profits each year. In addition to charging high premiums, one of the main ways they make money is by either denying or undervaluing claims.

Even the most reputable insurance companies regularly engage in tactics designed to avoid paying out money in settlements. They may dispute the causes of your accident, the nature of your injuries, or even the actual terms of your policy and coverage. To protect yourself and your rights to compensation through a claim, it is important to follow these tips:

  1. Get thorough accident reports. When any type of accident or injury occurs, notify someone in authority immediately. In a car accident, this would be law enforcement officials. In a slip and fall case, this would be on site security or the property owner. Make sure they record all the details surrounding what happened and keep a copy of the report for your records.
  2. Gather evidence. If possible, take pictures of the accident scene and the injuries you suffered. These photos may prove to be crucial evidence later in your claim. Also be sure to get the names and contact information for any witnesses who may have seen the accident or how it occurred.
  3. Get medical attention immediately. Even if you suspect your injuries are minor, get checked out by a physician, just in case. Many serious conditions have symptoms which take days or weeks to appear, and not getting medical care will jeopardize your rights in a claim.
  4. Keep all receipts and statements. Keep copies of all medical bills, statements regarding lost wages, and receipts for out of pocket expenses. These costs add up quickly and should all be included in your claim.
  5. Be wary of immediate settlements. Consumer Reports warns against immediate settlements, which are often less than what you are entitled to. Be aware that once you accept an offer, you forfeiting your rights to future compensation.

Let Us Help You Today

At the Law Firm of William E. Raikes, III, we help you get the maximum amount you are entitled to in your claim. Before making any statements or signing any documents, contact our Fort Pierce personal injury lawyer and request a consultation to discuss your case.

Resources:

consumerreports.org/cro/2012/04/insurance-claims/index.htm

justice.org/sites/default/files/file-uploads/AAJ_Report_TenWorstInsuranceCompanies_FINAL.pdf

The Law Office of William E. Raikes III is located in Fort Pierce, FL and serves clients in and around the communities of Fort Pierce, Port Saint Lucie and Vero Beach.

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