How To Settle Your Own Claim, Step 10

Step 10: Getting the Settlement Congrats! If you made it this far without an attorney, you successfully settled your own personal injury claim! This is a pretty significant moment because not many people actually take on an insurance company without a lawyer, but you did, and you succeeded. Let’s get you that settlement check. Now, what happens? Well, most companies will send a release for you to sign and have notarized in order to acknowledge that you settled your case.  Read …
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Settle Your Own Claim, Step 9

Step 9: The Fate of Your Demand So, you’ve sent your well-constructed demand package to the insurance adjuster. Now you have to be patient. Adjusters usually take about a month to fully go through and analyze the demand package, and the best ones get combed over with an intense eye to see if there’s any way to limit your claim for compensation. If all goes well, you’ll be contacted by the adjuster, who will either accept, counter, or deny the …
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Settle Your Own Claim, Step 8

Step 8: Writing a demand Now that you’ve gathered your medical records and a lien, it’s time to put together your demand package.  We will break the demand package into four (4) parts: Summary of facts, liability, the demand, and exhibits. Let’s take a look at each of the sections. Summary of Facts This section of the demand is where you will create the narrative of the accident and your treatment. The more details (time, place, exact days and names, …
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Settle Your Own Claim, Step 7

Step 7: Obtaining a Lien You have all your medical records and you’ve gone through them and know their contents. While you were treating, did you ever wonder how much all of your treatment cost your health insurance company? A lien will show you that. Insurance typically covers most if not all of your treatment associated with your injury. If you had to pay anything out of pocket, you must pay and then keep the receipts of those transactions. These costs …
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Settle Your Own Claim, Step 6

Step 6: Obtaining your medical records So, you’ve finished treating for your injury. Now, how do you get those medical records from the hospital and your other treatment facilities? Every place is different.  Most facilities use medical records request forms exclusive to their facility. To find out the type of documentation you need, call the facility where you treated and ask for the medical records department.  The staff who work in the medical records department will guide you through the …
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Settle Your Own Claim, Step 5

Step 5: Continuing Medical Treatment At this point, it really goes without saying that continuing medical treatment related to your injury remains precedent for a claim. A personal injury claim is a marathon, not a sprint. It’s all about putting the work in now so that you can have a bigger payoff at the end. Remember that if your doctor instructs you to treat  (like physical therapy, evaluations from other doctors, etc.), do it. Although the treatments may seem inconvenient …
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Settle Your Own Claim, Step 4

Step 4: Opening the Claim Now that you have all the information from the police report (including insurance information), it’s time to open the claim. Make That Phone Ring In most cases, the person driving the car that hit you will have auto insurance. This simplifies the process.  Simply Google the company’s contact information and call to report a claim. While speaking to the representative from the company, explain the details of the incident, identify the driver at fault in …
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Settle Your Own Claim, Step 3

Step 3: Getting the Police Report Remember how I mentioned in Step 1 to make sure the police arrive at the scene of the accident to make a report? This is when the police report is going to come in very handy. When the police arrive at an accident, an officer writes a report, which includes pertinent information about everyone involved. The police report serves as a factual representation of what happened during the accident. It helps determine who was at …
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Settle Your Own Claim, Step 2

Step 2: Getting Medical Attention Last time, we covered what to do in the moments just after you get into a car accident. Now, let’s discuss what happens after you go to get medical attention. Actually Getting Medical Attention If you are transported from the scene of the accident by ambulance, there’s a decent chance that your injury is severe enough to warrant being transported this way. You may have pain from hitting your leg, back, or arm. You may …
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Car Wreck Injury? Settle Your Own Claim, Step 1

The Slocum Firm’s attorneys are happy to present a new 10-part series, How to Settle Your Own Car Wreck Claim.  In this series, you’ll see how to settle your own injury claim from the perspective of an attorney. You’ll get to learn the process and become a pro by the end of the series!   First and foremost, it’s imperative that if you’re hurt you don’t try to tough it out.  You should call for emergency services immediately. You’ll want …
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