Car Insurance Claims and Personal Injury Claims

Car Insurance Claims and Personal Injury Claims

DOs and DON’Ts

At Ribley Chiropractic, we have a team of Doctors, Attorneys and Office Staff Members that will take care of all Car Accident Insurance Claims and Personal Injury Claims. We will take care of your insurance claim needs while you are treated for possible neck and back injuries.

If you’re involved in a car accident, or personal injury claim, it’s important you maintain clear communication with your insurance company, or the insurance company for the other party. The following article includes some “DOs and DON’Ts” to remember throughout the insurance claims process.

For the best experience, please call our office today at (770) 592-2505.

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Let’s get started:

THE DOs

DO call Ribley Family Chiropractic to schedule your appointment with one of our Doctor and our Attorneys to assist you in the claims.

DO call the police, no matter how minor the car accident or personal injury. This will provide you with a legal record of the incident.

DO call your agent as soon as an accident or injury takes place.

DO have our attorneys at Ribley Family Chiropractic review and understand your coverage before talking to your insurer or your agent. Read the “Coverage” and “Exclusion” sections of you policy in particular. For you insurance coverage, or if the claim is being filed against the other driver, please call Ribley Family Chiropractic at (770) 592-2505.

Ribley Family Chiropractic Insurance Coverage - Woodstock GA 30189DO take and keep detailed notes of all conversations with insurance company representatives, and get names, phone numbers, and job titles of people you speak with, including their supervisor’s name. If you are able to record the call, please state to the agent that you are recording the call and ask their permission.

DO consider whether you might have insurance coverage under some other insurance policy as well. In particular, look at homeowner policies, “umbrella” policies, and materials that came with your credit cards.

DO take pictures and/or video, if possible, of damage to your vehicle, the accident scene, and your injuries.

DO be honest and forthcoming with your insurer. It will be less embarrassing if your insurer knows all the facts immediately. Failing to be candid with your insurer might invalidate your policy or cause a denial of coverage.

DO have one of our attorneys explain to you the difference between replacement coverage and depreciated or actual cash value. For example, if your policy provides replacement coverage, don’t settle a personal property loss for “actual cash value.” You may be required to replace the lost items before getting your full reimbursement if you have replacement cost coverage.

DO remember that your claim covers all expenses. So, please keep all receipts of meals, lodging, and purchases made in connection with time spent pursuing your claim or recovering from your injuries from the time of the covered event until final settlement with your insurance company.

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THE DON’Ts

DON’T give any recorded or written statements to your insurer until you are sure you understand your coverage. Remember you aren’t required to allow the insurance company to record your telephone conversation. If you have doubts, Ribley Family Chiropractic has its own attorneys to work with you.

DON’T automatically accept the estimate or appraisal of your losses given to you by the insurer. Insurance companies will often try to get you to accept their estimator’s or contractor’s repair or replacement estimates, which might be a bit low. It is best to receive your own estimates, however, do not share with contractors that this is part of an insurance claim or they may inflate the price.

DON’T sign any releases or waivers of any kind until you obtain legal advice. A bad financial situation after a major loss may make it seem necessary for you accept a premature, inadequate settlement from your insurer. But you may remember destroyed items after you have signed a release as to payment for your personal property inventory or other claims. For these reasons, it is advisable to consult an attorney before signing a release or waiver. Be sure to read the fine print on any payment from the insurance company.

DON’T accept any check that says “final payment” unless you are ready to do so.

DON’T ignore time limits set by your policy. Most policies require a signed proof of loss within a certain time limit. Be sure you comply with this requirement unless you obtain a written waiver from your insurance company. Many policies allow you only one year from the date of loss in which to bring a legal action if your claim has not been adjusted fairly. If your claim hasn’t been settled to your satisfaction 11 months after your loss, consult an attorney immediately. A failure to do so could result in the loss of your right to sue.

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DON’T forget that you have a contract with your insurer. Your insurer has a legal obligation to provide the coverage it promised to you. Be insistent about enforcing that obligation.

Find Out if You Have a Valid Claim for Damages

Car accidents are the leading cause of personal injury claims in the U.S. While most minor accidents (or “fender benders”) can be resolved through your insurer, accidents resulting in serious injuries or even death are best handled by an experienced injury lawyer. If you or a loved one have been injured in a car accident, contact Ribley Family Chiropractic to have your claim reviewed absolutely free.

– Your Friendly Staff at Ribley Family Chiropractic

Ribley Family Chiropractic - Suffering from an Injury - How to Relieve Pain

If you have recently been involved in an accident that causes you to be suffering from pain or discomfort, then Ribley Family Chiropractic may be for you. Recently awarded the Top Chiropractic Office in Towne Lake, you will find everything that you are looking for in service.