If you have been injured in an accident, the very most important thing to do is see a doctor and do what is necessary to get better. However, taking all the proper steps after an accident can be very expensive. Not only do you have to worry about medical bills, prescription drugs, and physical therapy, you will undoubtedly miss time off of work in order to take care of your injuries.
You have insurance, but you are afraid that it will not pay for all of your expenses. There are several different times throughout your recovery process when it may be appropriate to call an attorney.
If you have been injured due to the negligence of a medical professional, you should contact an attorney before you do anything else. In the state of New York, you must have a Certificate of Merit to file a lawsuit for medical malpractice. The certificate is basically a statement from a physician stating that they believe you were injured due to medical malpractice. It must be submitted to the state by an attorney.
It never hurts to at least have a conversation with a lawyer before you call your insurance company. They can advise you as to the strength of your claim and any roadblocks they can see coming. If you have already contacted your insurance company, it is still not too late to call a personal injury law firm. You should contact an attorney whenever you feel you are not being treated fairly.
Contacting Your Insurance Company
When you have an accident, you should call the police and wait for them to arrive. You should get the names of any witnesses and take pictures if you are able to. You should go to the doctor’s right away even if you feel fine. There are some injuries that may not be immediately apparent.
When you call your insurance company, they will ask you to provide them with documentation of your expenses. They will need copies of all your medical bills, receipts from drugs, and a letter from your employer stating the hours you have missed.
An insurance adjuster will review your claim, and they will either deny or accept it. If they accept the claim, they will make you a settlement offer. If they deny the claim, you should contact an attorney before accepting their offer or accepting the fact that they have denied the claim.
Consulting with an Attorney
When you initially meet with a personal injury lawyer, you should bring all of the evidence you have of your claim along with you. You should bring your insurance information, a copy of the settlement offer, and the adjusters’ contact information with you.
According to Jesse Minc Personal Injury Law, a trained attorney will have years of experience in negotiating with insurance companies. They can represent you in court if you need to move forward with a lawsuit.
Getting injured in an accident is painful and time-consuming. A personal injury attorney can help you get what you need to move on with your life.