Are you prepared for the day that you might need to make a 1st party claim? That day could come, if you are a policyholder with uninsured motorist or underinsured motorist coverage. Learn how to approach the challenging task that demands your readiness to negotiate with your own insurance company.
Demonstrate your willingness to be cooperative.
Follow the terms on your policy. If you have been in an accident, do not hesitate to notify your own insurance. If you prefer, you can contact your insurance agent, and have him or her contact the claims office.
You do not have to cooperate to the extent that you are ready to surrender some of your privacy. Keep that fact in mind, while reviewing the list of your tasks.
Tasks for someone that has made a 1st party claim
Authorize access by your insurance company to relevant medical records. Those would be records that could offer information on the injuries that you have sustained as a result of the reported accident. Expect to receive a form, one that you will need to sign, in order to grant the company’s desired access.
Understand that you have the right to make changes to the same form, if it mentions items that you want to remain private. Feel free to cross out any reference to something that does not relate to your accident-caused injury. Do not sign the form, until you have indicated how you want your privacy respected.
If you were employed at the time of the reported incident, then you must also authorize the company’s access to your income records. That should only be for records that relate to the job that you had at the time of the accident’s occurrence. You should not have to share any other income records.
You might be asked to attend an independent medical examination (IME)
You should not have to attend more than on IME. Moreover, your insurer should agree to cover the costs of that same IME. If you are still incapacitated in some fashion, and need transportation, you should not hesitate to say so. Know your rights, during such an examination. The doctor should exam only the injured part of your body, not your whole body.
Your rights during negotiations
If a controversy develops and the process arrives at a stalemate, you have the right to change your negotiating strategy. In other words, you could file a lawsuit. That would not end the negotiations, but it would put added pressure on your insurer. Why would that be of significance? Personal Injury Lawyer in Ottawa have found that the same element of pressure should showcase a client’s desire to obtain a fair settlement.