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Understanding an Insurance Claim In A Personal Injury- Vital Facts Uncovered

A personal injury claim is a common way to get financial support from the insurance company when it was not your fault at the time of the accident. In most cases, plaintiffs avoid taking the case to trial and hence, settle for whatever is offered. However, it is recommended to hire one of the most talented Bakersfield personal injury lawyers because they are not afraid to take your case to court if the insurance company does not agree to pay what you deserve.

Some of the insurance claims are:

  • Health insurance
  • Auto insurance
  • Renter’s insurance
  • Home owner’s insurance

Every insurance product has its own terms and conditions. It is important to go through them beforehand so that you don’t get disappointed later on.

First-party claims

These claims are filed by the plaintiff with his own insurance company. Some of its examples include auto insurance to obtain the compensation for repairing a car after the accident and the homeowner’s insurance to get the repairs after the storm has destroyed the property. Your insurance company will be able to review the case and award compensation.

Third-party claims

If you have been injured because of the careless actions of someone else and received severe injuries, you will file the claim with his insurance company to get compensated for injuries and damages. The key factor in this type of claim is proving the liability. The plaintiff has to prove that the negligence has occurred because of which he has received injuries.

Majorly, three parties are involved in these claims including the plaintiff, the at-fault party and the insurance company. If you have filed a third-party claim, you need to attach the following supporting documents:

  • Medical bills and medical reports
  • Police report
  • Evidence such as photos, videos or CCTV footage
  • Witness’s statements 

Hiring a personal injury attorney

It should be noted that these companies don’t want to pay the plaintiff and come up with a number of reasons to lower the claim or refuse it altogether. That’s why, hiring a good personal injury lawyer can save you from a lot of hassles. He will take up your case and ensure that you don’t settle for the lower amount. He uses his skills to increase the value of your claim. These companies won’t make any irrelevant statements because they know the attorney can sue them at any time. Just find the best one!