Insurance companies are not profitable businesses because they willingly pay out fair compensation to victims injured by their insured. Especially now, the “new normal” of COVID makes it easier for insurance companies to deny and delay the paying out of money.
The five things to “KEEP” in mind after an accident is advice, I give new clients to ensure a more level playing field to ensure your claim is settled fairly.
► Keep quiet. After seeking medical attention, the most important thing is to consult with an attorney. It’s possible that after a vehicle accident, the at-fault person’s insurance company may contact you to make a quick settlement. Don’t fall for this. Do not speak to the other party’s attorneys or insurer as conversations may be recorded and used against you. Speak about your case only with your attorney. Do not sign any documents without your attorney’s consent. If you get any letters from anyone in connection with your case, send copies of them to your attorney immediately. Keep your original.
► Keep it real. Be honest when talking to your attorney about your medical history, including injuries, addictions, ailments, and illnesses. Insurance companies share information. Pre-existing medical conditions will likely be discovered so informing your attorney about past problems is especially important so there are no surprises.
► Keep records for all medical expenses. You have the right to copies of your medical records. Collect copies of everything, including prescriptions, bills, and receipts for medicines taken. All these expenses contribute to the value of your claim so save every bill relating to your claim (hospital expenses, medicines, therapy, appliances, home aides – anything relevant to your recovery). Pay bills by check or credit card. If you must pay by other means, make sure to get complete receipts with bill headings.
► Keep a complete record of all lost wages. Lost wages are another component of damages so documenting time lost, rate of pay, hours worked weekly, and any relevant losses suffered is critically important. Like medical expenses, keep copies of your lost wage documentation.
► Keep detailed notes. Daily journal entries detailing how your life has changed because of the accident may help illustrate to a jury the physical and emotional damage you may experience after an accident. Describe what you feel like in the morning, the type of effort put into your family, work, and personal activities. Describe all changes experienced in your post-accident life, symptoms, setbacks, and inconveniences.