What are personal injuries and how do personal injury claims work? A personal injury is a physical or psychological disease, illness, or condition that resulted from incidents involving work, road accidents, faulty goods or services, medical care, crime, and even harassment. Slips, trips and falls, as well as crush injuries, sports injuries, and whiplash injuries are just some examples. Did you know that you may be entitled to make a claim for many of these incidents?
If you are currently suffering or have suffered a personal injury, or if you are acting on behalf of someone who has been involved in a personal injury, you may want to do any of the following:
- Make a complaint to the person or organisation you believe was responsible for the injuries
- Make a claim for compensation to cover for losses and expenses you have incurred as a result of the injury
- Contact an organization that could offer support or counselling, if possible
An insurance adjuster or claims adjuster can then help you with your claim. Before that though, you might need to do the following actions first:
- Obtain a police report or just simply inform the police so that they could document the incident.
- Inform your insurance company
- Regardless of the severity of the injury, report it to your physician. He may then be able to provide a medical report when needed
- Write an account and, if possible, take photographs of the incident. Try to get the names and contact information of witnesses too.
Now, you need to file the claim. Insurance adjuster will need to know some important details about your accident at work, such as where and how the accident happened, as well as the personal injuries you sustained. If you have all the necessary aforementioned documents, then it won’t be that difficult to proceed.
Assistance from an insurance adjuster is just one of the many ways to to obtain compensation. You may also check to see if you can take legal action in a civil court or there may be special Government compensation schemes too.