Dealing with Insurance Companies After an Oklahoma Personal Injury Accident
When a personal injury accident happens and you are faced with managing the resulting losses, like property damage repairs or the cost of medical treatment, it is understandable to feel overwhelmed. While any accident can cause distress, this is especially true when your accident has produced extensive damages and losses. Having to also deal with the insurance company in the aftermath of an accident can be an additional stressful headache to take on.
It is critical that you are paid fairly for your losses and that the insurance company provides you with what you are owed. With the right approach, this objective is possible.
It can be helpful to meet with an attorney after an accident for assistance with insurance claims. In cases where you have sustained serious physical injuries and require ongoing medical care, an attorney can handle the claims process for you. They can assess your losses to make sure that you receive the full compensation you need to cover all of your expenses. The Oklahoma City personal injury attorneys at the Putnam Law Office are here for you and prepared to help you throughout the injury claims process so you can secure the best possible outcome.
Navigating the Injury Claims Process and the Insurance Company
If you are ready to start the claims process, it is important to understand your policy and what it covers. Reviewing your policy to understand the critical details, such as deductibles and exclusions, will allow you to be better prepared to communicate with the insurance company. It will guide your decision-making and also help you avoid a potential dispute.
To support your claim, you will need evidence and documentation. This would include photographs of your accident, video footage, witness statements, the police report, your medical bills, and more. Additionally, when you begin communications with the insurance agent, be a note-taker. Write down the agent’s name, and the date and times you speak, as well as reference numbers, and also keep emails, texts, and any other written communications.
The claims process can be complicated and each insurance company has its own procedures for submitting a claim. There should be information on the insurance company’s website explaining what to do but it is also possible to call your insurance provider and ask for assistance with the process. Ensuring that you follow the procedures can reduce complications and delays and also help you shorten the length of time it takes to get to a settlement. However, it is important to understand that before you agree to a settlement, you properly and accurately calculate what a fair settlement would be based on your losses so you don’t mistakenly accept a settlement that is far too low for what your damages are.
Next, communicating with the insurance adjuster should be done without emotion and only using the facts of your case. Clear language that reflects only the relevant details of your accident without over-elaboration is critical.
Finally, if your claim is being delayed or taking an unreasonable amount of time to finalize, be persistent. Follow up as many times as necessary to get the answers to your questions and to find out the status of your claim.
Speak to an Attorney at the Putnam Law Office Today
The personal injury claims process is rarely easy or straightforward. For assistance with your claim, please call the Putnam Law Office today at 405-724-7701 to schedule a free consultation.
