No one plans on getting hurt. But it does happen, and when it does, then steps need to be taken to make sure that the injured person gets enough compensation and help to either get better quickly, or manage for the rest of their life in a comfortable manner. Most insurance companies are willing to pay out what they call reasonable amounts for things like whiplash injury compensation, but what they call reasonable may not cover all needed bills.
These companies are in business to make a profit, not to give money away. Many will look for any loophole they can find to either deny or limit the amount they will authorize on your claim. How do they do this?:
1) They may insist you see their doctor’s or specialist’s before they will pay you. If those findings do not support your personal injury compensation claim, then you have to go and find your own doctor to redo the tests at your expense.
2) They may try and say you had the injury prior to this and are trying to get them to pay for something their client did not do or cause. With whiplash or back injury compensation claims this is fairly common.
3) They can also ask that, if it was a car accident, you use their repair shops or experts to get repairs done, with you having no say in what quality of parts or other things go into your auto.
None of this is done to make it any easier on you, it is done to wear you down so you settle for less than you should get. There are two options to help keep this from happening:
1) Do research on your injury and what types of claims like this the company may have paid out in the past. Check with the Better Business Bureau to see if there are any complaints, and then negotiate with them on your own.
2) Find a Para-legal to help you with your research and documents. These are individuals who have had some law training and have usually worked with lawyers in the past, so they have some understanding of what you are trying to do.
3) Contact a legal referral service and get name of a few local lawyers who handle these types of cases and then go for a free consultation. After you have met with all of the ones on your list, make your own decision before just picking one.
Insurance companies do not like having to pay out claims, but that is their business so do not feel guilty for asking for fair compensation, whether you do it yourself or hire legal help, you are entitled.