If you have been injured in an accident by a careless driver and are not satisfied with the settlement, there’s still hope for you. You may be able to pursue compensation from your insurance company for your bike or other injury-related expenses. This blog post discusses how to do that.
1. Provide the Insurance Company with Evidence of the Accident.
The step to approach the insurance company is not easily done. You will have to move from one person to another until you can speak with someone who has authority over the compensation of your claim.
If you suffered injuries as a result of a bicycle accident, try to get a copy of the police report. A clear statement of the details of the accident helps substantiate your claim in an insurance company’s eyes. In this situation, it helps to have an attorney on your side.
If you are the one who caused the accident, the police report won’t help your situation. You’ll need to contact your insurance company immediately and let them know you were involved. Tell them about the extent of your injuries and how long it will take for you to recover from them.
The sooner you contact the insurance company, the better off you will be regarding compensation for damages like medical expenses and lost wages.
2. Seek Treatment and Document the Details of the Injuries, Which Will be Presented to the Insurance Firm:
If you have been injured in a bicycle accident, it is advised to seek immediate treatment for your injuries. It is also recommended that you take pictures of the severity of your injuries at their worst. It can be helpful to keep a log documenting the dates when you received medical services, what doctors and treatment you received, and for how long.
If there were witnesses to the accident, obtaining written statements can help substantiate your claim.
Before calling the insurance company, it is also advisable to call a lawyer to discuss your case. By visiting this website, a bicycle accident lawyer will provide legal advice and help you make the appeal to the insurance company. The important thing about this step is that you focus on documenting your injuries. The deadline for filing an incomplete claim is 45 days after the accident date.
Also, be sure to include a copy of all your medical records in the process and pictures of any damages to your bike.
3. Ensure You Protect the Value Tied to Your Claim:
In order to protect the value of your claim, make sure you report the accident to your automobile insurance company. If you are found liable for an accident and don’t have insurance coverage, you will have difficulty providing compensation for damages.
When you approach an insurance company to file a bicycle claim, do so in person. It is also advisable to do it in writing as well. If there is a settlement offer, but the offer does not compensate for your losses and injuries, it is advisable that you seek legal advice before accepting it.
The three steps are essential when contacting your accident lawyer. It is also essential to take note of all the details of your claim before you contact an insurance company. Insurance companies are not all alike, so it is also good to contact more than one and then compare their offers. This will allow you to decide how much compensation you should be receiving for your injuries.