When you are injured in any accident case, such as a slip and fall accident or any car, truck or motorcycle accident, then you can navigate the insurance claims to recover the financial losses you have suffered due to the accident. You can claim the compensation under a personal injury lawsuit, and the at-fault party’s insurance company will have to pay for your losses. Many people need to be made aware of how this insurance claims procedure works, and therefore, in this article, we will discuss in detail how the claims procedure works in Jamaica.
If you are stuck in any such accident or personal injury case, you must consult a Jamaica, NY personal injury attorney. These lawyers can help you effectively in your case, and you can claim compensation for your losses.
How does the Insurance Claims Procedure Work?
- Reporting the Claim: The first step includes reporting the claims to make sure that the insurance company is aware that an accident has occurred that resulted in any injury and other losses. There would be involvement of various insurance companies such as health insurance and other insurance companies. For instance, if there is a car accident, then you have to file a claim with both the driver’s and health insurance companies. In this case, the insurance company of the negligent party will pay your losses.
- Provide information to the insurance company: You must provide basic information when the accident is reported to the insurance company. The company will contact you later for further details, and this is the time when things become tricky for the victim. It is because the insurance company tries to make statements that will give them room to deny the claims or pay less than the worth. Therefore, you must be careful at this stage.
- Potential Settlement: Once the insurance company has collected the required information, they will make an offer to settle your claims. The insurance company will try to make offers at the initial stages when you are unaware of the potential medical costs in the future, and once you have settled with the insurance company, you will not have any chance to claim compensation for further medical costs. So, you must be careful at this stage. You must get help from lawyers to deal with such cases and negotiate effectively with insurance companies.
- Payment: If you accept the settlement offer with the insurance company, then the last step will be to receive the payment. However, you must understand that accepting this payment will waive the chances of collecting compensation for any future medical expenses.
