Understanding Insurance Policies

Understanding Insurance Policies

Pain And Suffering Claims: What You Need To Know

Samantha Reynolds

Were you hurt in a car accident? If so, you will need to be prepared to show proof of your injuries if you are considering filing a claim with the insurance. While a monetary amount can be attributed to your medical bills easily, pain and suffering can be more difficult. Most insurers have a drawn out process when it comes to this aspect of an injury claim. The following is information you will need to know when dealing with pain and suffering from a car accident:

How Are Damages Attributed to Injuries?

Because of the variance of injuries sustained in auto accidents, there is no specific way an insurer can award a claim to all cases. Claims are typically handled one at a time on a case-by-case basis. Each piece of evidence from the accident is carefully examined in order to determine how much you will get for your injuries.

What Happens if Injuries Are Substantial?

If you are injured to the point that you are substantially hurt and therefore require a long recovery time, you should have a higher claim. However, you will need to provide adequate proof that you are taking, or will take, a long time to recover. This will include proof such as medical bills, physician's notes, physical therapy logs, and so on. You may also need to provide proof from your job that says you are unable to work. If you chose not to seek medical attention after an accident but still needed a long recovery time, you may have a difficult time providing the necessary evidence. This can end up with you not getting as much as you could have in pain and suffering cases.

What Kind of Evidence Will the Insurance Company Need?

In order to best prove your case for pain and suffering from an auto accident, you will need to gather quite a bit of evidence. In addition to medical records and correspondence from your doctor, you will also need to provide all of your medical bills, the cost of medication, time away from work, photos of the accident, photos of your injuries, the police report, and anything else you can provide that pertains to your accident.

Getting pain and suffering from an insurer can be difficult, even when you have the proper documentation. For more information on how to handle an auto accident claim, contact a company like Ahlquist Insurance.


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About Me
Understanding Insurance Policies

After I moved out of my parent's home, I started learning more and more about insurance policies. I was involved in a bad car accident, and I ended up working with my car insurance company as well as my medical and dental insurance companies. I paid my premiums and enjoyed coverage, but I didn't really understand how the entire insurance claim process worked. I wanted to make this blog to help other people like me to learn more about insurance coverage. Check out this blog for more details on insurance coverage, how to file a claim, and what you should expect throughout the shopping process.