How is My Personal Injury Insurance Claim Investigated?

Suffering an injury as a result of a construction accident, slip and fall accident, motor vehicle accident or premises liability accident is difficult enough to deal with these days. To make matters worse, you need to file a claim with either your insurance company or the company that represents the at-fault party in the accident. Dealing with an insurance company is never easy. You will have adjusters contacting you constantly trying to get you to settle, trying to get you to give a statement and trying to find fault in your claim. So, how is your personal injury insurance claim investigated?

Adjuster Assigned

An adjuster will be assigned to your claim immediately after it is filed. He or she will send you a generic introductory letter with information about the claim. The letter will also provide the name of the adjuster and their contact information. The letter will request documents that pertain to the claim you filed and the accident that led to your injuries.

Adjuster Reads the Reports

The adjuster assigned to the claim will then begin to read all of the reports filed. This includes the police report, any accident reports and any other documents that describe the incident that led to your injuries. This will help the adjuster understand what happened and if there is any fraudulent activity taking place.

Investigating the Insured

The adjuster’s main job regarding the claim is to investigate the person who filed the claim, or the claimant. It is the goal of the adjuster to do everything possible to find issue with the claim so that it can be legitimately denied or so that it can be approved at a lower amount than what was requested. This includes looking deep into your personal life to find anything that could show you lied about your injury. The adjuster will review all of your social media profiles and might even hire someone to trail you before and after work hours.

Determine a Settlement Value

Once the adjuster has done all of the work necessary to find information about your claim he or she will then determine a settlement value. This value could very well be much less than what you expect to receive. You can either accept the settlement value or decline it, hoping to win a higher award in court. Make sure you never accept a settlement offer from the insurance company without first speaking to a personal injury attorney about the case.

Contact an Experienced Attorney for an Appointment

Were you injured in a car accident or on someone else’s property? If so, it’s time to speak with an experienced personal injury attorney about your scenario. The sooner you schedule an appointment the sooner you will be able to defend your rights as a victim. Contact the team at David K. Wilson & Associates.

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The Importance of Prompt Action After a Serious Personal Injury

By David K. Wilson & Associates • August 15, 2024

Experiencing a serious personal injury can be overwhelming and life-changing. Taking prompt action is crucial for protecting your rights and ensuring you receive the compensation and support you need. This post will emphasize the importance of timely action after a serious personal injury and provide a step-by-step guide on what to do. Immediate Steps to Take Seek Medical Attention: Your health and safety are the top priority. Seek immediate medical care to address your injuries and document them for your legal case. Report the Incident: Notify the appropriate authorities, such as the police or your employer, depending on where the injury occurred. Obtain and keep copies of all reports. Gathering Evidence Document the Scene: If possible, take photos and videos of the accident scene, your injuries, and any contributing factors. Collect Witness Information: Obtain contact details and statements from any witnesses to support your case. Maintaining Records Medical Records: Keep detailed records of all medical treatments, prescriptions, and expenses related to your injury. Incident Reports: Ensure you have copies of any incident or police reports filed. Financial Documentation: Maintain records of any lost wages and other financial impacts resulting from your injury. Consulting a Personal Injury Attorney Seek Legal Advice: Consult a personal injury attorney as soon as possible to understand your rights and legal options. Attorney’s Role: An attorney can help gather evidence, negotiate with insurance companies, and represent you in court if necessary. Understanding Statutes of Limitations Time Limits: Personal injury claims in Texas must be filed within a specific timeframe, usually within two years from the date of the injury. Failing to file within this period can result in losing your right to compensation. Filing a Personal Injury Claim Prepare Your Case: Work with your attorney to gather all necessary documentation and build a strong case. Negotiation and Settlement: Your attorney will negotiate with the responsible party’s insurance company to seek a fair settlement. Going to Court: If a fair settlement cannot be reached, your attorney may file a lawsuit and represent you in court. The Importance of Prompt Action Preserving Evidence: Acting quickly helps preserve crucial evidence that may otherwise be lost or deteriorate over time. Timely Medical Treatment: Prompt medical attention not only aids in your recovery but also strengthens your legal case by providing documented evidence of your injuries. Protecting Legal Rights: Consulting an attorney early ensures you meet all legal deadlines and navigate the complex legal process effectively. Taking prompt action after a serious personal injury is essential for protecting your rights and securing the compensation you deserve. By seeking immediate medical attention, gathering evidence, and consulting a personal injury attorney, you can improve your chances of a successful outcome. Understanding the importance of timely action can make a significant difference in your recovery and legal case.

Aviation Accidents: Legal Rights and Steps to Take

By David K. Wilson & Associates • August 15, 2024

Aviation accidents, though rare, can have catastrophic consequences, leading to severe injuries or fatalities. Understanding your legal rights and the steps to take following an aviation accident is crucial for seeking justice and compensation. This post will explore the complexities of aviation accident claims and provide guidance on navigating the legal process. Common Causes of Aviation Accidents Aviation accidents can result from various factors, including: Pilot Error: Mistakes made by the pilot, such as misjudgment or improper handling of the aircraft. Mechanical Failures: Defects or malfunctions in the aircraft’s components, such as engines or control systems. Weather Conditions: Severe weather can pose significant risks to flight safety. Air Traffic Control Errors: Mistakes made by air traffic controllers, such as providing incorrect instructions or failing to monitor the airspace properly. Maintenance Issues: Neglecting regular maintenance or improper repairs can lead to accidents. Steps to Take After an Aviation Accident Seek Immediate Medical Attention: Ensure that all injuries are documented and treated by medical professionals. Document the Accident: If possible, collect evidence from the accident scene, such as photographs and witness statements. Report the Accident: Notify the relevant aviation authorities and file an official report. Consult an Aviation Accident Attorney: Seek legal advice to understand your rights and the steps to take. Understanding Aviation Accident Laws Federal Regulations: Aviation is heavily regulated by federal agencies, such as the Federal Aviation Administration (FAA) and the National Transportation Safety Board (NTSB). These agencies investigate aviation accidents and establish regulations to ensure flight safety. Liability: Determining liability in aviation accidents can be complex, involving multiple parties, such as the airline, aircraft manufacturer, maintenance provider, and air traffic control. Filing an Aviation Accident Claim Gather Evidence: Collect all relevant documentation, including accident reports, medical records, and evidence from the accident scene. Identify Liable Parties: Determine all potentially responsible parties, such as the airline, aircraft manufacturer, maintenance company, and air traffic control. Calculate Damages: Include medical expenses, lost wages, property damage, and pain and suffering in your claim. Consult an Aviation Accident Attorney: An attorney can help navigate the complex legal landscape and handle interactions with multiple parties. The Role of an Aviation Accident Attorney An aviation accident attorney can: Investigate the Accident: Conduct a thorough investigation to determine liability, which may involve collaborating with aviation experts. Gather Evidence: Collect and preserve crucial evidence to support your claim, including obtaining records from the airline and maintenance providers. Negotiate with Insurers: Seek fair compensation through negotiations with insurance companies and other liable parties. Represent You in Court: If necessary, file a lawsuit and advocate for your rights in court to secure the compensation you deserve. Recoverable Damages in an Aviation Accident Claim Economic Damages: Include medical and funeral expenses, lost wages, and loss of future earnings. Non-Economic Damages: Compensation for pain and suffering, mental anguish, loss of companionship, and loss of consortium. Punitive Damages: In cases of gross negligence or intentional harm, punitive damages may be awarded to punish the wrongdoer and deter similar behavior. Aviation accidents involve complex legal issues and multiple parties. Understanding your rights and consulting with an aviation accident attorney can help you navigate the legal process and secure the compensation you deserve. By following the steps outlined above and seeking professional legal assistance, you can protect your interests and improve your chances of a successful outcome.

The Impact of Car Accidents on Victims and Their Families

By David K. Wilson & Associates • July 1, 2024

Car accidents can have far-reaching consequences, not only for the victims but also for their families. Beyond physical injuries, car accidents can lead to emotional trauma, financial burdens, and long-term lifestyle changes. This post will explore the various impacts of car accidents on victims and their families and provide guidance on seeking support and compensation. Physical Injuries and Recovery Immediate Injuries: Car accidents can cause a range of injuries, from minor cuts and bruises to severe conditions like broken bones, traumatic brain injuries (TBI), and spinal cord injuries. Long-Term Effects: Some injuries may have long-lasting effects, requiring ongoing medical treatment, physical therapy, and possibly leading to permanent disabilities. Emotional and Psychological Impact Trauma and PTSD: Victims may experience post-traumatic stress disorder (PTSD), anxiety, depression, and other emotional difficulties following an accident. Impact on Relationships: Emotional trauma can strain relationships with family members, leading to additional stress and challenges. Financial Burdens Medical Expenses: The cost of emergency care, surgeries, hospital stays, rehabilitation, and ongoing medical treatments can be overwhelming. Lost Wages: Victims may be unable to work for extended periods, resulting in lost income and financial instability. Property Damage: Repairing or replacing a damaged vehicle adds to the financial strain. Lifestyle Changes Daily Activities: Injuries may limit the victim’s ability to perform daily activities, requiring assistance and adaptations at home. Career Impact: Severe injuries can affect career prospects, requiring a change in job or career path. Support for Victims and Families Medical Care: Seeking immediate and ongoing medical care to address physical injuries and psychological trauma. Counseling and Therapy: Accessing professional counseling services to manage emotional and psychological impacts. Support Networks: Relying on family, friends, and support groups to provide emotional and practical support. Seeking Compensation Filing a Claim: Filing a personal injury claim to seek compensation for medical expenses, lost wages, and other damages. Consulting a Car Accident Attorney: An attorney can help navigate the claims process, negotiate with insurance companies, and represent the victim in court if necessary. The Role of a Car Accident Attorney A car accident attorney can: Assess Your Case: Evaluating the merits of your claim and identifying potential sources of compensation. Gather Evidence: Building a strong case with comprehensive documentation and expert testimony. Negotiate with Insurers: Advocating for fair compensation through negotiations with insurance companies. Represent You in Court: If necessary, filing a lawsuit and representing your interests in court. The impact of car accidents extends beyond physical injuries, affecting victims and their families emotionally, financially, and psychologically. Seeking support and compensation is crucial for managing these challenges and moving forward. Consulting with a car accident attorney can help victims navigate the legal process and secure the resources they need to recover and rebuild their lives.