Just like there are different ways to get injured, there are myriads of types of personal injury cases. These can range from a severe car accident to a mere slip on the floor, just to name a few.
Since personal law covers a wide range of personal injuries, it’s worth mentioning that no particular two cases will be identical in terms of the course they take as well as the timeline.
A case mostly depends on the severity of the injuries that you get. Additionally, when determining a personal injury case, the clarity of the situation leading to the injury must be determined. This includes determining who was at fault during the incident as well as whether the injury is covered under the personal insurance policy.
However, many people fail to understand what it takes to successfully win a personal insurance claim. What should you consider?
This article will go into detail on what you should consider before claiming your personal claim. This way, you’ll be in a better position to file and claim benefits in the event of a personal injury.
Determine Whether an Insurance Policy Covers the Incident
If you are injured and you firmly believe that somebody else might be responsible, it’s imperative to find out whether the other party has an insurance cover that might kick in to cover your injury claims.
For example, first, determine whether the other driver has an insurance cover after you are in a car accident. On the other hand, what if you slip and incur an injury? Find out who owns the building and determine if they have liability coverage.
This goes a long way in determining whether you’ll successfully get your hands on the injury claim awarded by the jury. Remember that it’s one thing to have a ruling in your favor and another to collect your claim on that particular ruling. If the defendant has no applicable insurance cover, your ending might end sourly.
Determine Whether You Should Hire a Personal Injury Attorney
When determining to claim for your personal injury claim, hiring a personal injury attorney is perhaps the first step to getting your hands on the actual claim. However, if you feel that your injury is quite insignificant and are sure that you will sail through on your own, you can go ahead to file a claim on your own.
While at it, always remember that there is a distinct difference between hiring a lawyer and talking to one. In most cases, a vast majority of personal injury attorneys will offer a free initial consultation. However, once you decide to hire an attorney to take your case, you will be required to pay, according to the stipulated laws.
Determine Whether or Not to File a Lawsuit
If statistics are anything to go by, the majority of personal injury lawyers often reach for a settlement without the need to go for a trial. Additionally, these lawyers always get a settlement for their clients without the need to file for a lawsuit.
While some people will argue that filing a lawsuit is the best way to handle a personal injury case, it’s of utmost importance to put into consideration the time and effort that a trial might take. You might be surprised to lose a case in the end, without receiving any benefits!
You’ll Be Battling Against an Insurance Company
Before filing for a personal injury claim, it’s of utmost importance to remember that you’ll be seeking compensation from an insurance company. After all, many, if not all, personal injury claims are cases that involve medical malpractices, automotive accidents, and other accidents that might occur in businesses.
Since you’ll be battling against an insurance company, you should know that the company will strive to protect its financial interests. Therefore, your settlement claims might not always be fair.
You Can Pursue a Claim Even if You Are Partially at Fault
Though minimally, many jurisdictions go with a comparative negligence model that allows a victim to file for a personal injury lawsuit, even if they are partly at fault. Even so, before taking this route, you should first determine whether your state permits for such laws.
You May Have Limited Time to Pursue a Claim
Different states have different statutes of limitations in different cases. Depending on the state that you are from, you should remember that you probably will have a limited amount of time to file for a personal injury claim.
If you are late in filing for a personal injury claim, then the statute of limitations will bar you from ever filing the claim again.
Ensure that you seek the assistance of a reliable insurance broker such as TradeRisk Insurance who will connect you with the best offers.
Eric Reyes is a passionate thought leader having been featured in 50 distinguished online and offline platforms. His passion and knowledge in Finance and Business made him a sought after contributor providing valuable insights to his readers. You can find him reading a book and discussing current events in his spare time.
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