If you are injured in a road accident, you can claim compensation as damages for the suffering caused to you. The amount of accident compensation is determined by the extent of the injuries you suffered. However, failure to comply with the required procedures, or to submit the required evidence to prove your loss, may cause your claim to fail.
Here are four tips to help you file your accident compensation claim:
Ensure that your injury is documented.
An important reason why your accident claim could get rejected is because you have not submitted the required medical records to substantiate your injury. It is important that you visit a doctor immediately to get your injury examined. Adequate medical documentation is important to establish the exact nature of your injury for the claim.
Classify your claim correctly.
You are entitled to claim accident compensation under various heads such as ‘general damages’, ‘pain and suffering’, ‘loss of amenity’, ’special damages’ and others. You can make your claim more effective by filing it under the most relevant category or categories, as the case maybe.
Contact the Motor Insurers’ Bureau (MIB).
If you are injured in a hit-and-run accident, where the driver has driven away after causing the accident, you need to file for accident compensation with the MIB. This is also true if you have been injured by an uninsured driver.
Seek professional legal help.
If you have opted for legal insurance option as part of your car’s insurance coverage, you will probably already have a lawyer to help you file your claim. If you didn’t opt for this option, don’t worry. You can hire a lawyer experienced in accident compensation to file your claim. Remember to insist on a no win, no fee contract. According to this, your lawyer gets paid his fees only if you win – what’s more, he can recover the fees from the insurance company. This ensures that you will not have to pay anything.
By: Diana Joseph
Posts Tagged ‘Insurance Coverage’
Four Helpful Tips to File an Accident Compensation Claim
February 2nd, 2010FAQ’s About Motorcycle Accidents and Answers from Michigan Motorcycle Accident Lawyers
January 27th, 2010
Question: At the time of my Michigan motorcycle accident, I did not have insurance on my motorcycle. Can I still sue the driver who hit me?
Answer: Yes. Michigan law treats motorcyclists differently than individuals driving their own cars without insurance. Thus, an injured motorcyclist, who did not have insurance on his or her bike, may bring a lawsuit against the careless driver who caused the Michigan motorcycle accident.
Question: What is Uninsured Motorist Coverage?
Answer: Uninsured Motorist Coverage is an insurance coverage option that may allow you to recover damages from your own insurance policy, when an at-fault driver did not have insurance or cannot be identified (i.e. hit and run driver). It is a wise idea to carry uninsured coverage, to protect yourself in case you are in this situation when you are in a Michigan motorcycle accident.
Question: Is there a difference between uninsured motorist coverage and underinsured motorist coverage?
Answer: Yes. Underinsured coverage provides an additional means of collecting damages, if you are seriously injured in an accident. It is different than uninsured coverage, which is available when there was no identifiable insurance on an at-fault vehicle. For example, if you carried a policy of $100,000 underinsured coverage and the at-fault driver had a $20,000 liability insurance policy, you could seek up to $80,000 in additional damages from your own insurance company. This applies only after your attorney secures a tender offer of the underlying policy of insurance. As you can see, these claims are complicated and must be handled carefully.
An uninsured endorsement on a policy does not necessarily include an underinsured endorsement. Premature acceptance of an underlying policy in full settlement of your Michigan motorcycle accident claim could deprive you of the right to collect uninsured coverage.
Question: The driver who caused the Michigan motorcycle accident did not have insurance. I did not carry uninsured motorist coverage on my motorcycle, but have it in my motorcycle insurance policy. Can I make a claim for damages I suffered in the Michigan motorcycle accident through my motorcycle insurance?
Answer: Maybe. Your eligibility for uninsured coverage may depend on the specific wording of your Michigan motorcycle insurance policy. You should contact a Michigan motorcycle accident lawyer for help determining what your insurance policy covers.
If you or a loved one was seriously injured in a Michigan motorcycle accident, talk with an experienced Michigan motorcycle accident lawyer.
By: Marya Sieminski
Truck Accidents Explained
January 16th, 2010
Trucks are one of the biggest types of automobiles that you can see on the road and there have been lots of truck accidents reported in the past. You could easily imagine how much damage an accident involving a truck could cause. If your vehicle will get hit by a truck, you can expect that you will have to deal with a very serious issue. You will need good lawyers who will make sure that you will get what you should like the amount that will cover the cost of your car’s repair and medical treatments in case you got injured due to the accident.
Law firms have highly qualified lawyers who can deal with this kind of problem in an excellent way. The lawyers have acquired skills and knowledge from education, training, and from lots of experience in the past. The attorneys are more than just a law firm; they will be your friend who will look after your welfare and best interest. The lawyers will fight for your rights and make sure that you’ll get compensated for all the injuries and the damages.
In most cases, accidents involving trucks are caused by negligence on the truck driver’s part. They are well-trained and they know all the truck-driving rules but sometimes, they just become too reckless without ever thinking of the result or the consequences. They are also aware of the laws and regulations set by the government but they sometimes don’t give much importance to these due to a variety of reasons. Once a truck gets involved in an accident, the process of filing a claim for insurance is usually more difficult and complicated compared to a regular car or vehicle.
There are many factors that will affect the insurance coverage and if you are not very familiar with the terms and conditions of these insurance companies regarding truck accidents and the type of coverage they offer for trucks, you will find yourself in a very difficult situation. In case this ever happens to you or to a member of your family, the first thing you should do is to hire lawyers who can expertly handle truck accident cases.
The attorneys will pursue your case on your behalf and they will do their best to achieve results that will be in your favor. The lawyers will investigate the whole accident carefully to get the slightest details to the most important ones. This way, they could represent your case better and you will get what’s due. The lawyers are well-informed about the rules and regulations set by the state governing these accidents so they already know what to do. They will personally get in touch with you so you can talk to them about your concerns and they will do their best to resolve any issues.
By: Sanjana Antony