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Insurance for an injured person may involve several types of coverage, including personal injury protection (PIP) and liability coverage. Health insurance also plays a vital role in covering medical expenses following an injury. It's imperative to review the specifics of your coverage to understand how you are protected in the event of an injury.
Ensure you have these documents ready for upload, where applicable: Hospital Discharge Summary, if there is hospitalisation. Final medical bills, receipts from TCM/Chiropractor with practitioner's name. Medical Certificates, if claiming for weekly indemnity. Doctor's memo or medical report. Report on MRI or Xray results.
The insurance representative does not need to know every little detail of your life after the accident. Don't discuss information about your family, your job, past accidents, past injuries, and anything that is not strictly relevant to your accident injury claim. Also, don't answer questions that haven't come up.
An insurance claim letter is an important part of any insurance claim process. It helps the accredited insurance adjuster understand how much money you are requesting to cover the damage. At minimum the letter should include information about the accident, the policy number, the date of loss, and the amount claimed.
Make sure you get the following: Name, address and phone number of the other driver(s) and a photo of their driver's license, if possible. Insurance policy numbers. Year, make, model and license plate numbers of all the vehicles involved. Photos of the accident from all sides and angles.
Gather evidence Make a note of the incident in any accident book where your injury took place, take names and addresses of witnesses and if appropriate take photographs of the area. Remember to keep receipts as evidence if you are intending to claim compensation for expenses such as prescription costs and travelling.