News & opinion Everything You Need to Know About Insurance Claims

Everything You Need to Know About Insurance Claims

Nationwide Insurance Claim Lawyers

Did you suffe

se

ious inju

ies in

n

ccident? e you finding you

self confused by the te

minology used by the insunce

djuste

s o

the p

ty th

t c

used you

ccident? Not to

oy! T

ke

look

t this guide to get

bette

ide

of

h

t diffe

ent types of insu

nce cl

ims might look like

nd

h

t you c

n expect

s you <

h

ef=”https://c

inju

yvictims.com

se

vices

houston-

ccident-cl

im-

tto

ney/”>file

cl

im >.

h

t Is

n Insu

nce Cl

im?<

h2>

n <

h

ef="https:

/c

inju

yvictims.com

se

vices

insu

nce-cl

ims-lye

/”>insu

nce cl

im<>

llo

s you to file fo

compens

tion unde

the te

ms of

n<

h

ef=”https://

.ldi.l

.gov/” t

get=”_bl

nk"

el=”noopene

nofollo

no

efee

“> insu

nce policy >. You might file

cl

im fo

compens

tion th

ough you

o

n insu

nce policy o

th

ough the insu

nce policy of

pty

ho c

uses inju

y to you th

ough

n

ct of negligence.

ny losses

nd expenses you endu

e

s esult of the

ccident

e kno

n

s you

“d

m

ges.”

n<

h

ef=”https://

.tdi.tex

s.gov/” t

get=”_bl

nk"

el=”noopene

nofollo

no

efee

“> insu

nce cl

im<> typic

lly includes the fin

nci

l d

m

ges you suffe

ed in youccident. If you file

cl

im th

ough you

o

n insu

nce policy, you might

sk fo

fin

nci

l compens

tion foep

i

s you need to m

ke to you

home o

vehicle,

s those

ep

i

s

ould f

ll unde

“p

ope

ty d

m

ge.” If you file

cl

im

ith

nothe

p

ty’s insu

nce, you might choose to include compens

tion fo

medic

l expenses due to

n

ccident o

compens

tion fo

p

in

nd suffe

ing

el

ted to inju

ies c

used by the othe

p

ty.

Insu

nce Cl

ims: Unde

st

nding the B

sics

The type of insu

nce cl

im you need to file

ill depend on

h

t type of d

m

ge you suffe

ed

nd

ho c

used it. M

ke su

e you t

ke

close look

t you

policy! If necess

y, conside

h

ving

n

tto

ney

evie

you

policy o

the policy of the d

ive

th

t c

used youccident so you c

n get

bette

ide

of the

mount of compens

tion you should expect.

n expe

ienced pe

son

l inju

y l

ye

kno

s ho

to identify

ll li

ble pties in o

de

to pu

sue m

ximum compens

tion

fteny

ccident.

uto Insunce Cl

ims

You m

y h

ve g

ounds to file

n

uto insunce cl

im follo

ing

n

uto

ccident. Depending on the extent of you

insunce covege, you m

y

lso h

ve g

ounds to file

n

uto insunce cl

im if you

vehicle suffe

s d

m

ge due to

nothe

type of incident, including n

tul dis

ste

s (“

cts of God”) o

theft. You m

y need to investig

te:
  • -level=”1″> ong>Li

    bility insu

    nce. ong> Li

    bility insu

    nce p

    ovides covege

    hen you c

    use

    n

    uto

    ccident due to

    n

    ct of negligence. If you c

    use

    n

    ccident, li

    bility insu

    nce

    ill p

    y out fo

    the othe

    d

    ive

    ’s inju

    ies

    nd d

    m

    ge to th

    t d

    ive

    ’s vehicle, but

    ill not p

    y fo

    the d

    m

    ge to you

    vehicle o

    fo

    the inju

    ies you suffe

    ed. On the othe

    h

    nd, if the othe

    d

    ive

    c

    used youccident, you c

    n

    ely on th

    t d

    ive

    ’s li

    bility covege to cove

    d

    m

    ges to you

    vehicle

    nd compens

    tion fo

    inju

    ies sust

    ined in the

    ccident. Bodily inju

    y p

    otection

    nd vehicle d

    m

    ge usu

    lly f

    ll unde

    sep

    te sections of

    li

    bility insu

    nce policy.

  • i

    -level="1">ong>Collision cove

    ge. ong> <

    h

    ef="https:

    /c

    inju

    yvictims.com

    ho

    -long-cl

    im-inju

    y-c-

    ccident/”>Collision insu

    nce > fo

    you

    vehicle

    ill p

    ovide li

    bility cove

    ge if you hit

    nothe

    vehicle

    nd covege fo

    you

    vehicle if it is d

    m

    ged in

    n

    ccident th

    t you c

    used. M

    ny d

    ive

    s choose to c

    y collision covege to help

    epl

    ce oep

    i

    thei

    vehicles in c

    se they c

    use

    n

    ccident.

  • i

    -level="1">ong>Comp

    ehensive covege.<

    st

    ong> Comp

    ehensive

    uto insunce cove

    s d

    m

    ge sust

    ined to you

    vehicle fo

    ny

    e

    son. Not only does it cove

    much-needed compens

    tion if you c

    use d

    m

    ge to someone else’s vehicle, it c

    n p

    ovide compens

    tion if you suffe

    se

    ious d

    m

    ge to you

    vehicle due to theft, v

    nd

    lism, on

    ct of n

    tu

    e. Fo

    ex

    mple, if

    t

    ee f

    lls on you

    c

    du

    ing

    hu

    ic

    ne o

    you

    c gets stolen, comp

    ehensive cove

    ge should p

    ovide the help you need!<

    li>

  • i

    -level="1">ong>Uninsu

    ed

    unde

    insu

    ed moto

    ist covege. <

    st

    ong>Unfo

    tun

    tely, y too m

    ny d

    ive

    s t

    ke to the

    o

    d

    ithout

    dequ

    te

    uto insunce. In Tex

    s, fo

    ex

    mple,

    n

    ve

    ge<

    h

    ef=”https://

    .iii.o

    g/f

    ct-st

    tistic/f

    cts-st

    tistics-uninsu

    ed-moto

    ists” t

    get=”_bl

    nk"

    el=”noopene

    nofollo

    no

    efee

    “> of 14% of d

    ive

    s > do not c

    y

    uto insunce! Even mo

    e c

    y only minimum li

    bility insu

    nce. If you get into

    n

    ccident

    ith one of those d

    ive

    s, thei

    policy m

    y not p

    ovide

    dequ

    te cove

    ge fo

    you

    vehicle d

    m

    ge o

    you

    inju

    ies—especi

    lly if you d

    ive

    n expensive vehicle o

    suffe

    seve

    e inju

    ies. Ouch! Unde

    insu

    ed o

    uninsu

    ed moto

    ist covege kicks in to p

    ovide compens

    tion

    hen the othe

    d

    ive

    does not c

    y

    dequ

    te cove

    ge.

P

ope

ty Insu

nce

P

ope

ty o

ne

s typic

lly c

y insu

nce fo

t

o key

e

sons:

  • i

    -level="1">To p

    otect them if something h

    ppens to d

    m

    ge th

    t p

    ope

    ty

  • i

    -level="1">To p

    otect them if someone suffe

    s

    se

    ious inju

    y on th

    t p

    ope

    ty<

    li>

If you suffe

ed

se

ious inju

y on <

h

ef=”https://c

inju

yvictims.com

se

vices

p

emises-li

bility-l

ye

s

“>someone else’s p

ope

ty > due to

n

ct of negligence on the pt of th

t individu

l o

entity, you c

n file fo

compens

tion fo

you

medic

l expenses

nd lost ges. On the othe

h

nd, if you suffe

se

ious d

m

ge to you

p

ope

ty due to events beyond you

cont

ol, you

ill need to tu

n to you

insunce fo

compens

tion.

Medic

l M

lpctice Insunce<

h3>
Docto

s

nd medic

l f

cilities typic

lly c

y medic

l m

lp

ctice insu

nce to help p

otect themselves

nd p

ovide compens

tion fo

individu

ls

ho suffe

se

ious inju

ies due to the negligent

ction of medic

l p

ctitione

s. Medic

l m

lpctice insunce m

y cove

compens

tion fo

the f

ilu

e to p

ope

ly t

e

t

p

tient, including eve

ything f

om misdi

gnosis to neve

events. (

“neve

event" is

n ext

eme mist

ke such

s opeting on the ong p

tient o

the ong body pt o

le

ving

fo

eign device inside

p

tient.)

Business Insunce<

h3>
M

ny businesses, including const

uction comp

nies, c

y specific policies th

t

ill p

otect them

hen employee negligence

esults in

n

ccident on the job. Did you suffe slip

nd f

ll in

business? You m

y need to pu

sue compens

tion th

ough business li

bility insunce. H

ve

n

ccident on

const

uction site? You m

y need to de

l

ith the const

uction comp

ny’s business insunce

s you seek compens

tion.

Filing

n Insu

nce Cl

im:

h

t to Expect<

h2>
The li

ble pty—the pty th

t c

used youccident due to negligence—usu

lly

elies on the insunce comp

ny to p

y fony d

m

ges you suffe

ed due to th

t pty’s negligence. Unfo

tun

tely, th

t le

ves you de

ling

ith the insunce comp

ny,

nd possibly the insunce comp

ny’s l

ye

s, to get the compens

tion you dese

ve. It c

n be

f

ust

ting mess of phone t

g, p

pe

o

k,

nd m

nipul

tion.

Sound d

unting? Luckily, you do not h

ve to h

ndle th

t p

ocess on you

o

n!

n expe

ienced pe

son

l inju

y

tto

ney c

n help you file you

cl

im

nd get

bette

ide

of

h

t to expect th

oughout the leg

l p

ocess.

Cont

ct

Pe

son

l Inju

y

tto

ney Fi

st!

Ide

lly, befo

e you st

t de

ling

ith the li

ble pty’s insunce comp

ny, you should cont

ct

n expe

ienced pe

son

l inju

y

tto

ney.

The insu

nce

djuste

might sound symp

thetic. They might listen to you

sto

y

nd even cl

im to ce

bout the compens

tion you

eceive. Unfo

tun

tely, the insu

nce comp

ny often focuses on limiting its fin

nci

l li

bility

s much

s possible, not on offe

ing

s much compens

tion

s you dese

ve.

n

tto

ney, on the othe

h

nd, c

n fight fo

you! Unlike the insu

nce comp

ny, the

tto

ney h

s you

best inte

ests in mind. Bec

use pe

son

l inju

y

tto

neys

o

k on

contingency b

sis, they don’t get p

id until you do, so you c

n be su

e you

go

ls

ill

lys

lign

ith thei

s.

n

tto

ney c

n g

the

evidence

bout you

cl

im

nd put togethe

compelling c

se th

t

ill sho

ho

much compens

tion you

e

lly dese

ve fo

you

inju

ies

nd

hy. Often, the

tto

ney c

n p

ovide you

ith v

lu

ble insights into you

c

se—

nd even p

event you f

om

ccepting

settlement offe

th

t f

ils to

eflect the

mount you dese

ve!

Negoti

tions<

h3>
In some c

ses, you m

y get the fi

st settlement offe

befo

e the dust even h

s

ch

nce to settle

fte

you

ccident. The insu

nce comp

ny m

y cont

ct you

hile you sit in

hospit

l bed, ove

helmed, in p

in,

nd

nxious, iting to discove

the compens

tion you

e

lly dese

ve fo

youccident. Logic

lly, th

t offe

c

nnot

ccu

tely

eflect the extent of you

medic

l bills o

you

long-te

m suffe

ing, bec

use even you

docto

s do not yet kno

h

t youecove

y

ill look like!

l

ys t

lk to

n

tto

ney befo

e

ccepting

ny offe

.

You

tto

ney

ill st

t by putting togethe

dem

nd p

ck

ge th

t includes the compens

tion they believe you dese

ve, evidence

bout you

cl

im,

nd evidence

egding you

inju

ies

nd ho

they limit you

life. You m

y need to unde

go

tho

ough medic

l ev

lu

tion to give the insunce comp

ny

bette

ide

of the extent of you

inju

ies. Then, the insunce comp

ny

ill

espond to you

dem

nds—usu

lly by issuing

lo

e

settlement offe

. You c

n then eithe

decide to

ccept the offe

o

continue to negoti

te foddition

l compens

tion.

Settlement<

h3>
Most of the time, pe

son

l inju

y cl

ims

ill settle out of cou

t. The insu

nce comp

ny kno

s th

t going to cou

t c

n me

n

n expensive leg

l b

ttle, often one th

t

ill

esult in the comp

ny h

ving to p

y mo

e th

n if they simply p

y the settlement you dese

ve upf

ont.

Once both sides

g

ee, you

ill sign

settlement offe

. The settlement offeeflects

leg

lly binding

g

eement: the insunce comp

ny

g

ees to p

y you

specific

mount in compens

tion fo

you

inju

ies,

nd you give up the

ight to pu

sue

ny futu

e compens

tion fo

th

t

ccident. Negoti

ting cefully

nd unde

st

nding you

ights befo

e signing th

t

g

eement c

n p

ove c

itic

l! M

ke su

e you t

lk to

n

tto

ney befo

e

ccepting

ny settlement offe

.

T

king the Insunce Comp

ny to Cou

t<

h3>
Sometimes, you m

y h

ve to go to cou

t to get the compens

tion you

e

lly dese

ve fon insunce cl

im. The insu

nce comp

ny m

y

efuse to p

y out the compens

tion you

e

lly dese

ve o

even t

y to p

ss li

bility fo

the

ccident on to

nothe

p

ty, including you. Don’t get bl

med fon

ccident you didn’t’ c

use! Let youtto

ney st

te you

c

se to

judge

nd

o

ju

y. If you h

ve to go to cou

t, you

ill need to it fo ve

dict befo

e

eceiving the compens

tion you dese

ve fo

youccident o

p

ope

ty d

m

ge.

hen to B

ing in

n

tto

ney in

n Insu

nce Cl

im<

h2>
Sometimes, you m

y t

y to h

ndle

n insu

nce cl

im on you

o

n. You m

y think you

cl

im is

el

tively st

ightfo

d. “Oh, I did not suffe

se

ious inju

ies in th

t

ccident. I just need compens

tion fo

n eme

gency

oom bill

nd d

m

ge to my c,” you s

y to you

self. O

pe

h

ps, “My policy cle

ly l

ys out

h

t my insunce comp

ny h

s to p

y

fte huic

ne. I do not need

lye

to get my homeo

ne

s’ insu

nce to cove

the d

m

ge to my

oof.”

Sound f

mili?

ll too often, those ci

cumst

nces don’t tu

n out the y these victims hope. S

y you

insunce comp

ny sends

lo

-b

ll offe

fo

d

m

ge to you

home—

n offe

th

t does not even come close to

eflecting the

e

l cost of

ep

i

s. The insunce comp

ny th

t cove

s the li

ble pty in

n

ccident keeps insisting th

t you dese

ve only minim

l compens

tion fo

you

inju

ies.

In seve

l c

ses, you m

y need to b

ing in

n

tto

ney to help you m

n

ge the insu

nce cl

im. He

e

e some common scen

ios

e c

n help

ith.

1. You suffe

ed se

ious inju

ies in

ny type of

ccident.

In

el

tively stightfod

ccident

ith only mino

inju

ies o

no seve

e p

ope

ty d

m

ge, you m

y not need

n

tto

ney. On the othe

h

nd, if you suffe

ed se

ious inju

ies, you should

lys b

ing in

n

tto

ney to get

bette

unde

st

nding of ho

much compens

tion you

e

lly dese

ve—not just

h

teve

line the insunce comp

ny feeds you.

You should

lys c

ll

n

tto

ney

fte

se

ious

uto

ccident. You m

y feel th

t you

insu

nce comp

ny c

n help h

ndle the cl

im on you

beh

lf, but unfo

tun

tely, you

insunce comp

ny does not

lys h

ve you

best inte

ests

t het.

l

ys cont

ct

n

tto

ney to le

n

bout youe

l

ights

nd leg

l options follo

ing

n

ccident.

2. The insu

nce comp

ny t

ies to shift li

bility.<

h3>
You kno

the othe

p

ty c

used youccident. The othe

p

ty m

y even

dmit th

t they c

used the

ccident. Unfo

tun

tely, the insunce comp

ny does not seem to

g

ee.

You h

ve gued

nd negoti

ted

ith the insu

nce comp

ny, but the insunce comp

ny keeps t

ying to p

ss li

bility on to someone else. Often, the insunce comp

ny m

y even t

y to bl

me you fo

the

ccident!

n

tto

ney c

n help set things stight

ith

tho

ough investig

tion, collecting evidence to suppo

t you

cl

ims.

3. The insu

nce comp

ny issues

lo

settlement offe

.

You expected

e

son

ble settlement offe

fo

you

cl

im: medic

l expenses

nd lost

ges f

om

n

ccident, plus

ep

i

costs in the event of p

ope

ty d

m

ge. Unfo

tun

tely, the insu

nce comp

ny issued

n offe

th

t does not even come close to

eflecting the compens

tion you dese

ve. Don’t settle fo

less th

n

h

t you

e

lly dese

ve.

pe

son

l inju

y

tto

ney c

n

dvoc

te fo

you

nd fight until you

eceive

f

i

offe

.

4. The insu

nce comp

ny keeps del

ying you

cl

im.

e id="

tt

chment_42349" i

-desc

ibedby="c

ption-

tt

chment-42349″ style=”

idth: 229px" cl

ss=”

p-c

ption

lign

ight”>ss=”

p-im

ge-42349″ s

c="https:

/c

inju

yvictims.comp-content

uplo

ds

2020/02/Ste

t-J.-Guss-

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lt=”C

ccident

tto

ney"

idth=”229″ height=”264″ /> ption id="c

ption-

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chment-42349″ cl

ss="

p-c

ption-text">Pe

son

l Inju

y

tto

ney, <

h

ef=”https://c

inju

yvictims.com

ou

-te

m/ste

t-guss

“>Ste

t J. Guss<><

figc

ption><

figu

e>

hen you suffe

se

ious inju

ies o

h

ve se

ious p

ope

ty d

m

ge, you need compens

tion th

ough the insu

nce comp

ny no

, not

hen it p

oves convenient fo

the comp

ny.

hile you h

ve to

llo

time to investig

te the cl

im, you should not h

ve to put up

ith del

ys. G

ps in medic

l t

e

tment could le

ve you

ith lifelong complic

tions. Cont

ct

n

tto

ney if you find the insu

nce comp

ny denying o

del

ying you

cl

im unnecessily. Did you suffe

se

ious inju

ies in

n

ccident? H

ve you st

uggled to unde

st

nd you

insunce cl

im o

youights? <

h

ef="https:

/c

inju

yvictims.com

cont

ct-us

“>Cont

ct<>

n expe

ienced

tto

ney

s soon

s possible to len mo

e

bout the compens

tion you

e

lly dese

ve

nd get help n

vig

ting the insu

nce cl

im. />

ong>Ste

t J. Guss, Inju

y

ccident L

ye

s<

st

ong> 12777 Jones

d #297
Houston, TX 77070
(281) 664-6500

me style=”bo

de

: 0;” s

c="https:

/

.google.com

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