The insurance industry promises financial assistance to those that have purchased an insurance policy. So, what happens following an accident or a disaster? How does a policyholder go about filing a personal injury claim?
The first step: Read your policy
Do not assume that your particular policy covers the type of damage that has altered the look of your vehicle, or has made your home almost unlivable. Study the terms in your present policy. No policy can cover the details for every conceivable situation. If any member of your family has a health condition, seek the sort of compensation that can make it easier for you had your family to deal with both the accident/disaster and the child’s health situation.
For instance, the typical home insurance policy will promise help with alternative living quarters, if the home were to catch fire. In the past, one man sought money for living in a hotel, explaining that his son had developed bronchitis. He could not tolerate dealing with the added discomforts that would arise, were he forced to live in an unheated structure. If you have been in a car accident, check to see if some type of auto insurance provided the other driver with any level of coverage. If the answer is “no,” then study your uninsured driver option, if you bought one.
Consider this question: Should I hire a lawyer?
If you have a complex case, then you could probably use a Personal Injury Lawyer in Medicine Hat. If you or any member of your family has suffered severe injuries, then you might be foolish to try doing all the tasks on your own.
Has the question of who should be held responsible become an issue? If that is the case, then you definitely need some legal guidance.
Do the observations of a pediatrician suggest that a younger passenger was injured? If that is the case, then you might need to ask the court for an extension of the statute of limitations.
Think, too, about this question: Should I file a lawsuit?
Realize that you face a deadline, if you want to file a lawsuit. That action needs to be taken within the time period that is specified in your state’s statute of limitations. Understand, too, what you could change, if you did file a lawsuit. You could pursue that line of action, and sue the other party, or even sue the insurance company. Yet you would not be obligated to move forward with your filed lawsuit.
For that reason, you should give serious thought to filing a lawsuit. You can wait on filing an insurance claim. There is no deadline for filing an insurance claim, although the insurance company might suggest that there is one.