If you got into an accident tomorrow, would you know how to properly fill out your insurance claim? Would you know how to identify the signs of a bad faith insurance settlement offer?
You never know when you will find yourself needing to take advantage of one of your insurance policies, so it’s important to learn exactly how to go about filing your claim to ensure the best results.
Find an Attorney
Before anything else, you should have a lawyer in place to assist you with your insurance claim. Insurance companies avoid paying out on claims at every opportunity, and by hiring a lawyer you will minimize your chances of being manipulated and exploited.
Before you file a claim, first and foremost, send a letter to the individual or parties who you believe to be responsible for your injuries. Let them know that you will be filing an insurance claim. This is the appropriate and fair step to provide an honest warning.
Next, your attorney will help you determine that your claim has a strong chance of being accepted by the insurance company. This requires evidence, so you will need to revisit the scene of the accident if applicable, safeguard all physical evidence related to your claim, and even find and interview witnesses who can support your claims. Any injuries that you sustained at the time need to be established in painstaking detail in order to protect yourself and your credibility.
Calculate the Value of Your Claim
Once the parties directly responsible for your injuries or illness have been identified, it’s time to determine how much your claim is worth. The money you demand in a claim will include any lost wages, property damage, and non-economic damages like pain, suffering, disability, or other such losses.
Negotiate and Secure Your Compensation
During the negotiation process, your attorney will work with the insurance company to agree to a fair lump sum compensation based on your injury and experiences. If your insurance company denies your claim or offers a settlement that is far below what you deserve, you will move into litigation in the form of a lawsuit in civil court. Having a qualified and experienced attorney by your side through this entire process makes all the difference.
The attorneys at Catania and Catania have served Tampa Bay for more than 25 years with dedicated and personalized legal support. Call 1-800-253-5523 today to schedule your free case evaluation.