If you are in an accident and sustain injuries, you will need to justify the expense to your insurer or to the insurance company of the person who inflicted your injuries. That means you may have to fill out an accident claim form detailing your expenses, from medical bills and lost wages to damages and long-term care. If you have a basic understanding how to fill out these forms, the process is relatively easy. However, if you do not know what is expected of you, you are going to add stress and anxiety to your physical injuries.
Begin by understanding that you may need to combine various insurance plans to maximize your coverage. For example, you may have more than one health care plan or more than one health care provider. The other party to the accident may not have full coverage. The insurers will work together to help you get the most from your claim.
The best way to prepare for filling out accident claim forms is to gather as much information as you can about the accident: where it took place, what happened to cause the accident, what injuries were sustained, etc. This is no time to be embarrassed or succinct. This is required information and will be the number one factor in determining the size and scope of your claim. Be as detailed as you can be, consulting any paperwork you may have pertaining to the accident and your treatment. All these things will be easier with the legal help of an attorney.
Remember that the insurer will follow up with your doctors, so you want to make sure that the information you have provided is supported by your physician’s account. You will have to reveal if you have sustained a similar injury in the past or if you have been seeking unrelated treatment prior to the accident. The insurance company will want to know that they are paying for the new injuries only.
Especially if you are dealing with more than one insurance company or have submitted multiple claims, you may need to work with each party individually to ensure that all your treatments related to the accident are provided and covered. Be honest and highly accurate, and you will have an easier time getting coverage following an accident.