Even though there are many different types of accidents and many different kinds of losses for the victims, there are just a few basic steps in the procedure that provides victims with a way to get compensated for any reported damages.
First step: Check to see if insurance policy covers accident.
Not every policy would be guaranteed to contain terms that permitted coverage of the type of accident that the potential claimant planned to report. There would be slight reason for submitting a claim, if it seemed destined to be denied.
If the responsible party had been an uninsured driver, then it would be necessary to check on the options added to the policyholder’s original policy. Had the policyholder chosen to pay for the addition of an uninsured motorist option? If not, then it could seem risky to submit an insurance claim, unless the claimant had chosen to hire an attorney.
Second step: Decide on your legal strategy.
Decide how you are going to protect your legal rights. Should you hire someone that has been trained to protect the lives of accident victims? If you are ready to pay for the services of such an individual, then you should hire a personal injury attorney.
Third step: Decide on the wisdom behind filing a complaint.
Personal Injury Lawyer in Saint John can fight for their clients during the pre-settlement negotiations. However, if the negotiations were to stall, then it might become necessary to threaten a suit against the insurance company. That is another action that brings the best results, when a personal injury lawyer has carried it out.
Understand that the filing of a complaint does not demand pursuit of a lawsuit; it simply opens the door to that possibility. For that reason, it can act like a threat, and can push an insurance company to take an active part in the negotiations.
Last of basic steps: Compose demand letter
Smart claimants do not go into detail about their injuries, when speaking with the adjuster. Instead, they promise to offer a more thorough explanation in a demand letter. Hence, that communication should include that promised information.
Naturally, it should also contain a demand. A reasonable demand would be one that reflected the value of the victim’s losses. Claimants can strengthen a demand by using supportive materials.
Some claimants go after their compensation by using a procedure with only 3 steps. Each of them shortens the normal 4-step procedure by avoiding the task of selecting and hiring a lawyer. That approach can aid achievement of more rapid results, but it does not guarantee delivery of fair compensation to the injured victim. Instead, it could push a claimant to agree to settlement terms before maximum medical improvement.