You rarely get into your car thinking that you might become the victim of an accident. Consequently, the subject of insurance compensation is far from your thoughts.
However, just in case the unexpected happens, be aware that maximum compensation should include coverage for various costs associated with any injuries you might suffer.
The basic insurance company view
While you might expect an insurance company to offer a fair settlement if you are a car crash victim, keep in mind that the company is in business to make a profit. Beware of speaking to an adjuster before contacting an attorney since the adjuster will more than likely produce a lowball settlement figure.
The advantage of medical documents
After a vehicle crash, even a minor collision, you should seek prompt medical attention. A doctor will prepare a report citing your diagnosis and any treatment options. Meanwhile, an advocate working on your behalf will conduct a thorough investigation of the accident site to determine the cause of the crash. Those results coupled with the medical report will be essential when the time comes to file a claim with an insurance company.
The benefits to expect
As the victim of a vehicle crash, you have the right to expect full and fair compensation for your current and future medical expenses, including ambulance fees, rehabilitation, medical accessories and more. In addition, your advocate will seek compensation for pain and suffering as well as lost wages, if applicable. While an accident is not something you think about every time you start to drive, there is a level of comfort knowing that insurance benefits are available if the unexpected should happen.
