How To Deal With Insurance Companies After A New Hampshire Personal Injury

Dealing with insurance companies after a personal injury can be overwhelming, especially if you have never dealt with the process before. Understanding the policy terms and what compensation to expect can be confusing and stressful. However, with some guidance, you can navigate the process and receive proper compensation for your injury. Here are some steps to follow when dealing with insurance companies after a New Hampshire personal injury.

Report The Incident Early

It is essential to notify the insurance company of the accident immediately while providing a detailed account of the incident. Do not exaggerate or downplay the incident, but relay the occurrence just as it happened. Providing incorrect information or leaving out key details can lead to a denial of your claim. Your insurance company will conduct an investigation, and the information provided will be used to evaluate the claim. It is crucial to ensure that your version of the events and the facts of the accident are recorded accurately.

Contact Your Personal Injury Attorney

It can be daunting to represent yourself against an insurance company, especially if you are dealing with serious injuries. Hence, contacting a personal injury attorney in New Hampshire can help you navigate the negotiation process. Insurance companies have lawyers who are experienced in finding ways to compensate you less than you deserve or deny your claim. A personal injury attorney can provide legal advice and represent you to ensure that your interests are protected.

Collect And Organize Relevant Documents

You should compile all necessary information that will be used to determine the compensation you will receive. These documents may include medical bills, receipts, records of lost wages, and any other records that display how the accident has affected you. Organizing such records will enable you to keep track of the documents you have and the ones that you still need to acquire. This process ensures that you have everything needed to pursue your claim.

Have A Professional Medical Evaluation

A medical evaluation is crucial because it helps your insurance company understand the severity of the injury and its potential long-term effects. It is recommended that you see a medical professional for a physical evaluation as soon as possible after the accident, even if you do not feel any pain. Ensure that your evaluation results are recorded accurately in your medical records.

Share Available Information With The Insurance Company

The insurance company will require relevant information to evaluate your claim, such as witness statements, police reports, and medical records. It is crucial to provide any information that can strengthen your case, including photographs of the accident scene, video footage, or any other supportive materials. The more information you provide, the better the chances of receiving a fair compensation.

Be Prepared To Negotiate

It is essential to understand that an insurance company’s interests are to spend as little money as possible. Hence the compensation offer made may not adequately cover your damages. Your attorney will advise you on the amount of compensation you should receive and will help you negotiate a fair settlement. Understand your rights and be prepared to negotiate if the settlement offer does not match the injury’s magnitude and impact.

Final Thoughts

Dealing with the insurance company after a New Hampshire personal injury can be challenging, but following the above steps can increase the chances of receiving fair compensation. Working with an experienced personal injury attorney can significantly benefit you in the claim process. Contact us today for a free consultation.

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