Accident Claim Guide – Five Top Rules to Follow

Accidents are something we all fear. It’s not only the worry about being hurt, and losing your ability to work and play as you did before. It’s about the feeling that someone else can cause you harm, through their negligence or stupidity. If you yourself are the cause of an accident, that’s bad enough. But if someone else causes the accident, it’s worse, in many ways. But if you are in an accident, and someone else is totally or partially to blame, you can claim compensation for your suffering.

Filing claim for an accident requires correct following of procedures. Failure to do so may lead to an unsuccessful filing. Your insurance company will take advantage of any lapse in your claim and reduce the amount of money they grant you. Here is an accident claim guide, listing the key rules you should remember while filing.

Rule 1: Provide proof of your injury.  This is the single most important rule in the Accident Claim Guide. This is because the compensation you receive depends on the physical and psychological injury that you suffered due to the accident. See a professional (physician or psychologist) as soon as possible after the accident to get an evaluation.

Rule 2: Preserve evidence. Proving the circumstances of the accident is important to claim compensation. Evidence in the form of official reports or photographs will be indispensable in reconstructing the events and circumstances of the accident. Therefore, gathering and preserving evidence is a vital part of the Accident Claim Guide.

Rule 3: Calculate your loss. Providing details of your monetary loss is important for a successful claim. Submit all the documentation for your complete medical expenses. Get paperwork from your employer that will document the total wages you lost because of your inability to work. Remember to calculate and include the interest that you would have gained on this amount.

Rule 4: Ensure your claim is timely. Remember, the law allows you to claim compensation only within a specific period after the accident. Claims made after this period may be rejected. So don’t delay.         

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