Thursday, July 24, 2014

Filing a Bodily Injury Claim

Car accidents can be quite traumatizing and the injuries may take a long time to heal. 

Car accident victims often have to spend a lot of money on medical treatments. However, they can make a bodily injury claim and recover the expenses from the insurance company.

Filing a Bodily Injury Claim

A bodily injury claim can be filed after consulting the doctor following an accident. The claim must be filed with the insurance company of the driver responsible for the accident. It can be filed by the injured party whether he or she was driving an automobile, riding a bike, or walking along the street.

During the claim process, an insurance adjuster works with the victim; however, it is extremely important to be cautious during the process, because even a slightest mistake can jeopardize the compensation. So, all documents associated with the accident, together with the medical treatment details, should be maintained properly during the claim process. It is essential to update the insurance company about the progress of the treatment until the appropriate settlement is paid.

Keeping a Record of the Medical Treatment Received

In order to receive the appropriate settlement, St. Louis car accident lawyers advise proper recording of the treatment. A detailed medical report should be obtained from a medical professional to show the degree of the injury and treatment received. The record should include the following details:

Date of the injury
Cause of the injury
Diagnosis and treatment period
Required medication
Disability or scarring
Required pain management treatment
Possible future disabilities

Necessary Documents the Insurance Company May Require

Medical reports, expenses incurred, and radiology reports have to be prepared to corroborate the claim with the insurance company. This makes it necessary to document all medical reports and expenses incurred during the recovery period. It should include expenses for medications, transportation expenses to and from the clinic, and support received while dealing with the injury.

Details of psychological issues should also be recorded by the doctor treating the patient. Psychological issues should not be taken lightly, since it can have a damaging effect on any person involved in an automobile accident.

Although an injured person can discuss the settlement with the insurance company directly, he or she should be ready to provide evidence on the events leading to the injury, including the degree of pain experienced and treatment received. However, an experienced St. Louis car accident attorney can facilitate the collection of these records. Aside from collecting the necessary records, the lawyer can also discuss the bodily injury claim with the insurance company on your behalf. Contact The Hoffmann Law Firm, L.L.C. at (314) 361-4242.

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