What To Prepare For When Making An Insurance Claim

Injury Lawyer Personal Injury Law

If this article had been written about what to expect after filing an insurance claim, it could be very short. We could simply say that you should expect some surprises and delays. So, how do you prepare for those? You should find the answer to that question in the following paragraphs.

What you can and cannot control

You have limited control over the schedule that determines the length of time during which your claim will be processed. You do have control over the time when the processing starts. If you have been in an accident, be sure to report that same accident to your insurance company just as soon as possible.

Be warned, though. Your readiness to make a prompt report does not automatically mean that your insurer will agree to cover the cost of the damages that resulted from that one collision. In fact, you may be denied coverage. Do not despair; you can get in touch with an injury layer in Oakville that will help you.

How to proceed after getting the initial reply from your insurance company

If you were denied coverage, that denial does not mean that your insurer refuses to negotiate with you, or with someone that has been asked to negotiate on your behalf. Hire a lawyer. An attorney will be happy to speak with your insurer. Ideally your hired attorney should be able to convince your insurance company that you deserve at least some coverage.

When you are told that your claim will be covered, then you may be asked to attend mediation or arbitration procedures. Granted these may seem like needless delays. The insurer views them as necessary steps for the policy holder that hopes to have a claim covered. Your lawyer can go with you to either of those procedures.

What might happen, once you have agreed to a settlement?

At that point there may be one or two surprises that accompany the delivery of the promised payment. It could be that your insurer will pay your health provider. The second possible surprise would only enter the picture if someone other than you had been liable for the collision that gave rise to the claim. In that case, your insurance company would plan to sue the person that could be deemed liable.

If your insurer does decide to sue that third party, then there will probably be a court trial. You will be asked to appear in court. Your insurer will be counting on you to support the insurer’s claim against the third party.

Typically, that third party is one of the other drivers, specifically a driver that was a bit thoughtless and neglectful. Your insurer hopes that you will be able to clarify the extent of that driver’s thoughtlessness of neglectfulness. Of course, the third party might be a representative from the company that made some component on your vehicle, one that appears to have malfunctioned.

1,970 thoughts to “What To Prepare For When Making An Insurance Claim”

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