Basic Facts About Insurance Claims Following An Accident
What do people who have an accident and sustain injury do at the earliest? Foremost is getting medical attention. Then they wish to make a police report. Injury Lawyer in Cayuga knows that an insurance accident claim has to be filed with their insurer and the party responsible for the accident.
First and third-party claims
Insurance claims are of two sorts. What? They're first and third-party claims. The plaintiff files a first party claim with their insurer. Injury Lawyer in Cayuga knows that the plaintiff files a third-party claim with another individual's or company's insurer. People who have an insurance policy get coverage for other parties that sustain injury due to them.
Now, which claim should people file? It is based on
• What sort of accident took place
• The insurance coverage limit
A driver causes a car accident. The driver will most likely opt for a first party claim with their insurer. If a person is hit by a car while they are crossing the road, or an individual maybe be a passenger in another person's car that has an accident. The person will opt for a third-party claim with the driver's insurer. However, the person should also inform their insurer.
Injury Lawyer in Cayuga asks if the claim is suitable for someone who sustains an injury while marketing at any store or eating out at a restaurant? The answer is a third-party claim with the insurer of the business proprietor.
Both first- and third-party claims are valid for bodily and property damage.
The process of an insurance claim
The person injured would like to inform the insurer at the earliest. Notwithstanding the place of the accident, the person injured must give particulars of
• The degree of their injuries
Next, the insurer opens an investigation of the claim. The insurer may ask the person injured to
• Submit names of eyewitnesses, if any
The person may need to give a more meticulous description of the incident.
The person will do well by discussing with a lawyer before disclosing such information to protect their rights.
The insurer will make a settlement check after computing the claim's value.
Claim denial and subsequent appeal
There're several possible reasons for the denial of a claim. Below are three examples.
• A person takes too much time after the accident to submit the claim
• Inability to undergo an IME• An auto insurance exclusion
Notwithstanding the reason, the insurer notifies the person of the denial. Next, the person can choose to appeal the decision. Different insurers can have different appeal procedures. Thus, the Injury Lawyer in Cayuga knows the person must check out the policy to know the proper steps.
• Another possibility is initiating litigation against the insurer and the party it covers