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Most if not all the time, insurance companies tend to give the runaround when it is time to make a claim. And they also investigate in an extremely thorough manner any medical conditions that you may have which go on to reduce the total value of your claim. Read on as we guide you with the following tips to ensure you make better judgments when it comes to your claim.
At times, insurance companies even go the distance to privately hire investigators that record your every move on film. And when it comes to injury claims, they can even trick you or someone else to engage in several strenuous activities such as heavy lifting or even bending over to lift bulky objects. Most of the times, private investigators walk around with concealed recorders to interview anyone that is close to you. So, keep in mind that you should not discuss any details with those who are not your therapist, doctor or attorney.
If you have suffered any form of prior accident or even pre-existing injuries, be sure to discuss it with your attorney. This attorney’s website explains the best process to undertake if you need to do so.
In the past, there have been several cases that were lost and tremendously compromised due to the fact that the injured person didn’t provide info of injuries. So, don’t forget to be completely open with your attorney on these matters including the addresses and names of the doctors who treated you at some point in the past. Simply put, if you don’t share this info, you can bet that insurance companies will be digging to find anything that they can; and if they go on to find something, you can be sure that they will use it against you to prove that you were already injured before your accident.
It should be noted that insurance companies make and secure detailed records of any and all claims made. They even go on to share info with each other through the Comprehensive Loss Underwriting Exchange Database. So, keep in mind that as long as they have your personal information, they can basically find any claim that you have ever made.
Additionally, you should always keep in mind that you shouldn’t be embarrassed to tell your doctor of all the claims that you’ve made in the past. Simply put, the total on your claim is due to the diagnosis or treatment that your doctor makes. And he or she can only deal with what they see based on your statements. Your doctors’ records will only be as detailed as the details that you share.
Keep in mind that you should also keep track of any medicine and prescription by saving all of your used containers and bottles. Be sure to also provide your attorney with the relevant receipts along with those for bandages, crutches, neck braces, splints and canes. It is also advised that you keep your own personal record of the limitations that you’ve experienced on your physical activities along with any complaints made. This will enable you to properly remember the intricate details later on when you need to give a statement or testify in court.
It is also a good time to start thinking of anyone who witnessed your accident since you may need them in the near future. So, it is a good idea to have co-workers, friends and even neighbors who can testify with respect to your disability, suffering and pain.
Another important point to note is that you should never sign any form without informing your attorney. Any form of application whether it be for State reports, doctor change, insurance benefits, treatment change and even forms for returning to work should be reported immediately. And unemployment as well as disability forms should be properly checked by your attorney.
Additionally, you should also mention to your attorney if you’ve taken vacation time. Be sure to leave any emergency contact in case you are needed. You can also be entitled for several benefits. So, if you are in possession of a PIP, private or group health, auto med pay, your parents insurance or even the insurance of your spouse be sure to mention it to your attorney so that he can submit all the relevant forms to maximize the claims on your recovery.
You should also keep in mind that you should never settle your claim too early. In most cases it takes endless months before a settlement can be reached. However, serious injuries only become noticed a long time after. So, if you’re seeking to get the most out of your claim, give it some time!