Insurance Claim Body Injury?
I am doing well trying to do my own Bodily injury claim. I want to know how you figure out how much you should ask for. I enjoy lost wages of abour 3500 as i only work part time. I hold been off work for nearly 8 weeks from lifeguarding. I have been to an orthopedic doctor just about 3 times they are the ones treating me. i have gone to physical therapy for 3-4 weeks and enjoy gone to a chriropractor for 6 times. I have lower back muscle strain, two of my disc are swallow and my sacro illiac (spelt totally wrong but will do research on spelling formerly i submit my claim). I was not to driver I was the passenger. my insurance compensated for my medical bills and i did not, am i still allowed to claim them. Please help! if you have any thought about this please leave your email and i will email me . i do not use this vindication for emails. thank you al so much !
Answers:
There is no hard and fast rule for bi claims. Some will enlighten you to multiply the medical bills x 3. Very few claims are worth 3X the meds. So, if you want to - use that as a guide (3x the bills + wages). But that would be on the high end of what you could possibly be rewarded.
It all depends on the injury you have, the medical treatment, the wound to your car. If you go and carry crazy with the chiro treatment in lay down to drive up your claim-- that's going to cause problems for you.
The value of the claim is also artificial by the laws in your state and the venue where on earth the case would be tried (should it go that far).
The easiest route to settle the bi claim - is to let the adjuster evaluate your medical bills/records and lost wages. Ask the adjuster to make an contribute first. This will be at the bottom of the range the adjuster set for the claim. This will give you an thought of what ballpark your claim is in. Go off of that to counter submission. The adjuster will have some wiggle room.
If your claim is soft tissue (sprain/strain) -- and that sounds approaching what you have-- the range will be a few thousand - not tens of thousands.
For example - if the adjuster opens at 10,000. Then the top of their inventory is probably no higher than 15,000 -- but more likely 13,000. You could counter at 18,000. If the adjuster comes put a bet on at 11,500 - you counter 17,000 or 16,800. Your goal is to end up surrounded by the top of the adjusters range.
The best way to catch the claim settled is to communitcate with the adjuster. How did the injury affect you? Why do you think the claim is worth $x.xx. It's by conversation and working it out that the claim gets resolved.
** not legal direction -- just my personal opinion base on the very limited info provided. Source(s): Insurance Adjuster 12 years
The channel insurance works is, you may only claim insurance that in this grip you medical bills and lost wages, now because you where a passenger on another those vehicle it can be a bit tricky because they have to have have medical on their auto policy to cover you, usually the insurance company will deal directly with your medical providers and ask for invoices from them therefor eliminate you as the middle man, also for wadges if they will cover them you will have to provide w-2's or recent pay stubs for them to determine the correct amount to offer you, we are always advice to ask our clients to report a claim first so that you can find out if in fact you are covered Source(s): I am an Insurance Customer Service Representative.
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Answers:
There is no hard and fast rule for bi claims. Some will enlighten you to multiply the medical bills x 3. Very few claims are worth 3X the meds. So, if you want to - use that as a guide (3x the bills + wages). But that would be on the high end of what you could possibly be rewarded.
It all depends on the injury you have, the medical treatment, the wound to your car. If you go and carry crazy with the chiro treatment in lay down to drive up your claim-- that's going to cause problems for you.
The value of the claim is also artificial by the laws in your state and the venue where on earth the case would be tried (should it go that far).
The easiest route to settle the bi claim - is to let the adjuster evaluate your medical bills/records and lost wages. Ask the adjuster to make an contribute first. This will be at the bottom of the range the adjuster set for the claim. This will give you an thought of what ballpark your claim is in. Go off of that to counter submission. The adjuster will have some wiggle room.
If your claim is soft tissue (sprain/strain) -- and that sounds approaching what you have-- the range will be a few thousand - not tens of thousands.
For example - if the adjuster opens at 10,000. Then the top of their inventory is probably no higher than 15,000 -- but more likely 13,000. You could counter at 18,000. If the adjuster comes put a bet on at 11,500 - you counter 17,000 or 16,800. Your goal is to end up surrounded by the top of the adjusters range.
The best way to catch the claim settled is to communitcate with the adjuster. How did the injury affect you? Why do you think the claim is worth $x.xx. It's by conversation and working it out that the claim gets resolved.
** not legal direction -- just my personal opinion base on the very limited info provided. Source(s): Insurance Adjuster 12 years
The channel insurance works is, you may only claim insurance that in this grip you medical bills and lost wages, now because you where a passenger on another those vehicle it can be a bit tricky because they have to have have medical on their auto policy to cover you, usually the insurance company will deal directly with your medical providers and ask for invoices from them therefor eliminate you as the middle man, also for wadges if they will cover them you will have to provide w-2's or recent pay stubs for them to determine the correct amount to offer you, we are always advice to ask our clients to report a claim first so that you can find out if in fact you are covered Source(s): I am an Insurance Customer Service Representative.
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