Worker’s compensation is a state-regulated program that pays out to injured employees. Unfortunately, working with insurance companies after an injury isn’t easy.
Often, people rarely know what to do when an insurance company is slow to respond to their urgent needs for compensation to manage their medical expenses, which can lead to frustration and confusion. Here is a brief overview of how to work with insurance companies after a work-related accident.
Initial Steps to Take
If you’ve been in a work-related accident, you need to know how to present your claim to an insurance company.
Here are five basic steps to take:
- Sign nothing or agree to anything without talking to a lawyer.
- Before the meeting with the insurance company, get a copy of your insurance policy. It’ll help you see if they’re following the terms of the policy.
- If you’re not sure what’s covered, ask them to clarify certain terms or conditions.
- If they haven’t called you about the accident after a few days, call them back and ask for an update.
- If an insurance company is using delaying tactics and obviously stalling your claim despite your pressing medical bills or other expenses because of the accident, engage a skilled workers’ compensation lawyer with legal knowledge to protect your rights.
How to Get Effective Legal Representation
Getting the best personal injury lawyer to manage your case is critical when you’ve been in an accident. When choosing a personal injury firm, select one that puts your interests first. For example, if you need help through the entire process because you find it overwhelming, you can go to a firm like Jeeves Law Group, P.A., which specializes in personal injury cases and has years of experience dealing with insurance companies, to take care of all the details.
How to Deal with Insurance Companies After an Accident
Here’s what you need to know about dealing with insurance companies. First, get a copy of your bills and receipts to make sure you don’t get ignored by the insurance company. The company won’t pay anything unless they see proof that you were harmed. Second, don’t expect insurance to cover everything after a workplace accident.
Third, if you have pressing medical bills or lost wages from the accident, get a second opinion or look for help through charities and government programs to manage your medical condition while waiting for your claim to be approved.
Finally, if it’s too hard to deal with the insurance company, consider hiring a personal injury lawyer who can guide you through the process and negotiate on your behalf.