If you’ve recently suffered an accident that has caused you to file a personal injury insurance claim, you might be wondering what to do next now that you’re past the ordeal and the claims approval process has already begun. While there may be some ways to expedite the process or increase the chances of having your claim approved, it’s equally important to make sure you’re ready for the next step in case additional documentation or effort is required on your part. With that said, here are a few steps you can take to stay informed and prepared after you’ve filed a personal injury claim:
1. Do Your Own Research
As soon as you’re in a calm and collected mindset after the incident, it’s wise to start looking up the answers to any questions you might have regarding your claim or policy. For example, you might want to know about injury claim values at this stage, as you could be curious about the amount your insurance company will be paying out to cover medical expenses or property damage costs. If the injury happened at work, you might want to know how workers compensation laws and regulations factor into your claim.
2. Seek Additional Medical Evaluation
Many insurance providers will want to see documented proof of your injury, which will usually come in the form of emergency room records that are generated immediately after the accident. However, you’ll also want to schedule a follow-up appointment with your doctor or a specialist so they can perform a secondary evaluation and present their findings to the insurance company. If you can bring an additional expert witness into play, you’ll be heightening the chances of having your claim approved.
3. Know Your Rights
It can be easy to develop the victim mentality in the days following an accident, but it’s important to remember that you have rights as an insurance policyholder. The most basic right that you should be aware of is your legal right to pursue monetary compensation following a vehicular accident, slip & fall accident, work injury, or another personal injury. Since a full overview of the law would go beyond the scope of this guide and will vary by state, it’s best to speak to a qualified attorney to determine if you may also have a case for a lawsuit alongside your personal injury insurance claim.
4. Speak to a Claims Specialist
You can usually answer most of your questions just by consulting with one of your insurance company’s claims specialists. These professionals, who are also referred to as claim examiners, are responsible for evaluating claims and are, therefore, equipped to help you better understand the claims process as a whole.
Be Patient But Follow Up
In closing, it’s important to note that many personal injury cases can take anywhere from four to nine months to complete from start to settlement. Still, by diligently doing your part and following up with your insurance provider, you might be able to speed up the process slightly and prevent any minor clerical delays.