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Insurance Disputes In Miami And Understanding A Personal Injury Claim

Insurance disputes in Miami and Understanding a Personal Injury Claim

The moment that you find yourself dealing with a major personal injury, there’s a major chance that your life may never be the same. You may have medical bills to deal with, on top of being unable to work for long periods of time, and potentially may not be able to enjoy the same activities that you used to. To put this in perspective, in the U.S., as many as 30.6 million people have to visit the emergency room for unintentional injuries each year in the U.S. A personal injury claim may be exactly what you need to try and handle the issue.

Personal injury claims can be filed with just about any situation you can think of, from vehicular accidents to medical malpractice to incidents in the workplace. Be sure to understand that a personal injury claim and personal injury lawsuit are not the same things. Generally, a claim is something done before a lawsuit that is made between you and the injury company of the entity at fault. Generally, this applies to an agency, person, or company, but if you took out personal injury insurance as a part of a high-risk job, you could file a claim for your own company as well. The claim basically starts off a series of negotiations between you and the insurance company, and a lawsuit is only required if those talks fall apart. When you file a claim, the company will assign a claims adjuster to see if your injuries and situation qualify for a settlement.

To improve your chances of getting a settlement, you want to do your due diligence at looking over medical charts and bills, police reports, or evaluating any evidence you have from the scene of the accident. If you aren’t able to prove fault or negligence, you may end up underpaid by your insurance company or the insurance company of the entity at fault.

One thing that also often gets missed when it comes to personal injury claims is the importance of timing. While you don’t need to follow a set time limit to file a personal injury claim, the faster you act, the better your chances are of reaching a resolution. In some cases, like if you are filing a claim against the government or a federal employee, you may need to be mindful of a statute of limitations, which can range from 30 days to a year after the accident.

Personal injury claims can be difficult to prove, which gives more reason for you to want to look into legal help with insurance disputes in Miami. The cost of a personal injury goes well beyond just the time that you spend recovering, so if you take the time and investment to make a personal injury claim, you want to make sure that you get the money that you think you deserve. Bringing in a lawyer with a history of working with personal injury claims and cases now, can save you a lot later on.

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