How to file a claim depends mainly on the circumstances of your injury.
There are thousands of types of potential personal injury cases, ranging from
slip-and-fall injuries to
workplace injuries. Whether or not you file a claim also depends on the severity of your
injuries and who was at fault in the accident if anyone. Here are a few
of the necessary steps to take in most personal injury cases.
1. Visit a Physician
One of the most important pieces of evidence you’ll need in a personal
injury case is medical. If you haven’t visited a doctor for your
injury, any insurance company is likely to point to the lack of medical
care as indicative of a lack of seriousness. If you didn’t visit
the doctor, your injury isn’t as severe as you claim. However, some
people refrain from visiting a medical professional because their injury
is minor or because they fear the expense. Remember, a valid claim will
be compensated if it is covered by insurance. Medical bills that you may
have to pay out of pocket will be compensated by the insurance company,
as will future medical bills and lost wages.
2. Determine Fault
Missouri is an at-fault state, meaning that whoever was at fault in a car
accident specifically will pay for any and all damages. However, if your
injury was the result of an accident at work, your employer would likely
be liable. If your arm was broken at a baseball game when the bleachers
collapsed, the stadium’s owner would be responsible. Personal injury
claims are rarely frivolous and are usually the result of someone else’s
negligence in a case. Make sure you know whose.
3. Determine If a Policy Will Cover Your Injuries
Depending on the type of insurance a person has, you must decide whether
or not it is sufficient to cover your injuries. For example, in a car
accident, does the other driver have insurance or is he or she underinsured?
An underinsured policy will only cover up to the bare minimum, which may
not be enough to meet your needs. You may have to sue the person personally
to make up the difference.
4. Consult an Attorney
It may benefit you to call an attorney before you even file the claim with
the insurance company. However, some insurance policies require you to
call them as soon as possible after the injury occurred, such as with
auto insurance. Talking to an attorney before dealing with insurance representatives
can only help you. Not only will hiring a lawyer make them pay attention,
but an attorney can help you determine the statute of limitations in the
case and be your representative if the company requires a statement.
If you need help filing a claim or determining if you have a case, talk
to one of our
experienced personal injury attorneys. DiPasquale Moore is a firm that understands how emotionally exhausting
and financially burdensome an injury can be. Our firm has a track record
of success, and we are firmly dedicated to high-quality legal representation.
We also work on a contingency fee basis, meaning we only get paid if you
do. To get a case started, talk to us in a free consultation today. Call
us at (816) 463-8035.