Insurance Company Tactics You Need to Know as an Indiana Personal Injury Claimant

Posted on April 18, 2025 by admin

Navigating a personal injury claim after an accident is challenging enough. Add to it the complex tactics insurance companies use to lower payouts, and the process can quickly become overwhelming. If you’re pursuing a personal injury claim in Indiana, it’s crucial to understand what to expect from insurance companies and how to protect your rights.

This guide outlines common insurance company tactics, the steps you can take to safeguard your claim, and answers to frequently asked questions to help you make informed decisions.

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The Insurance Claim Process for Personal Injury Claims in Indiana

When you file a personal injury claim in Indiana, the process generally involves negotiating with the at-fault party’s insurance company. Unfortunately, their primary goal isn’t to provide fair compensation but rather to minimize payouts to protect their bottom line. They are after all, multi-billion-dollar businesses. Claimants often encounter roadblocks designed to derail or undervalue their claims.

Understanding these tactics will empower you to recognize and counter unfair practices throughout the process.

Tactic 1: Delay, Deny, Defend

One of the most common strategies insurers employ is often referred to as the “three Ds” approach:

Delay: Insurance companies may deliberately slow down the claims process to frustrate you. Missing paperwork, prolonged investigations, or unreasonably long response times are examples of stalling techniques aimed at pressuring claimants to accept lower offers out of desperation. Moreover, the insurance company makes interest on their money they longer they keep it in their investments and bank accounts, rather than paying you the money you are owed for a fair and full settlement.
Deny: Some insurance companies outright deny valid claims, suggesting there isn’t enough evidence or that the insured party wasn’t at fault. This discourages claimants from pursuing compensation further.
Defend: Insurers may escalate disputes by hiring aggressive legal teams to defend against your claim in an effort to deter you from pursuing a settlement altogether.

How to Counter It:

Keep meticulous records of all communication and deadlines. An experienced personal injury lawyer in Indianapolis will ensure insurers are held accountable and compel them to comply with all state deadlines.

Tactic 2: Minimizing Injuries and Questioning Treatment

Insurance companies commonly downplay the severity of injuries or question the necessity of medical treatments. They may argue that your injuries were pre-existing or that they don’t align with the accident’s circumstances. They could also challenge the length or cost of your recovery, claiming it’s excessive. Most of this is done using an insurance adjuster, who has no expertise in any of these matters.

How to Counter It:

Document your injuries thoroughly with photos, videos, medical records, treatment plans, and receipts. Follow your doctor’s recommendations as closely as posible, as insurers may use any gaps in treatment as evidence to dispute your claim. An accident attorney can also help present strong evidence and expert testimony to counter their arguments.

Tactic 3: Using Recorded Statements Against You

Insurance adjusters often request recorded statements from claimants under the guise of clarifying details about the accident. These statements are not intended to help you, but rather to obtain information that can be used to discredit your claim. Even minor inconsistencies or innocent remarks like “I’m fine” made at the scene could be twisted to suggest that your injuries are exaggerated or unrelated to the incident. Many people say when asked that they are fine when they are really not, yet the insurance company will twist those words if allowed to.

How to Counter It:

You are not legally required to provide a recorded statement to an insurance company for a person who caused your injuries. Politely decline and direct all communication to your attorney, who can help ensure that your words are not taken out of context.

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Tactic 4: Surveillance and Social Media Monitoring

Insurance companies may hire investigators to monitor your activities or scrutinize your social media accounts for evidence arguably contradicting your claims. For instance, a seemingly harmless photo of you at an event could be misconstrued as proof that your injuries are not as severe as reported.

How to Counter It:

Be cautious about what you post online. Avoid sharing updates about your case, your health, or your activities until your claim is resolved. Set your social media accounts to private and remind friends and family to avoid tagging you in posts.

How to Protect Yourself: Consult an Indiana Personal Injury Attorney

Before having to face these tactics at all, the best course of action is to seek immediate legal representation. Indianapolis personal injury attorneys are well-versed in dealing with insurance companies’ strategies and can level the playing field. They will:

Evaluate your case to determine its fair value.
Handle communication with insurance adjusters.
Gather evidence to strengthen and document your claim.
Negotiate aggressively to secure maximum compensation.
Represent you in court, if necessary.

Working with an experienced Indiana accident attorney ensures that you don’t have to face the insurance company alone and significantly increases your chances of a favorable outcome.

FAQs About Personal Injury Claims in Indiana

What should I do if the insurance company offers me a low settlement?

Decline the offer and consult an attorney to review your case before accepting any offer. Lowball settlement offers are a common tactic to minimize payouts. Your lawyer will negotiate with the insurer to reach a full and fair amount or take the case to court if necessary. Moreover, you have duties to pay back any health insurance carrier you had that paid for any of your medical bills related to your injuries and insurance companies usually do not tell anyone this and this leads to less of a net settlement to you. ALWAYS speak with an attorney first.

Is it a good idea to give a recorded statement to the insurance adjuster?

No, you are not obligated to provide a recorded statement. Anything you say can be used against you. Direct all communication to your personal injury lawyer.

How can a personal injury lawyer help with my claim?

A lawyer will handle all aspects of your case—from gathering evidence and negotiating with the insurance company to representing you in court—to ensure you receive the compensation you deserve.

What are structured settlements, and are they right for me?

Structured settlements provide compensation in installments rather than a lump sum. They can offer long-term financial security but may not suit everyone. Discuss your options with a financial advisor and your attorney.

Can the insurance company use my social media posts against me?

Yes, insurance companies often monitor claimants’ social media accounts for evidence that arguably undermines their claims. Avoid posting anything that could be used to misrepresent your injuries or activities, even something that is seemingly innocent, like lunch with the family or going shopping.

Should I accept the first settlement offer from the insurance company?

No. Initial offers are often far below what your claim is worth. Consult an attorney before agreeing to any terms.

Final Thoughts

Filing a personal injury claim in Indiana comes with its share of challenges, especially when dealing with insurance companies intent on protecting their bottom line. Remember that you have the right to negotiate for a full and fair settlement and to seek legal guidance. It is crucial to be careful with what you post on social media during a claim process as it can be used against you.

Always consult with a trusted advisor or an accident attorney before accepting any settlement offers from the insurance company. So, educate yourself about the insurance policies and laws that protect you, and don’t hesitate to seek help if needed. Stay informed and take control of your own claim.

Need help with your Indiana injury claim? Get in touch with our experienced team of Indiana personal injury legal experts at Craven, Hoover & Blazek, P.C. today for a free consultation. We represent victims all throughout the state, residents of other states injured in Indiana and Indiana residents injured in other states.

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The Road to Recovery: Obtaining a Bodily Injury Settlement After a Car Wreck

Posted on October 10, 2024 by admin

Car accidents can turn lives upside down in the blink of an eye. Beyond the immediate shock and potential physical pain, there’s also the daunting task of navigating the path to obtaining a settlement. This process is crucial, especially if you’ve sustained injuries that could impact your daily life and financial stability.

For many motor vehicle accident victims, understanding how to secure a fair settlement is not just about recouping financial losses—it’s about justice and peace of mind. In today’s post, we’ll discuss the road to recovery after a car wreck and the steps you should take to protect yourself and your rights.

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Understanding Your Rights After a Car Wreck

In the aftermath of an accident, knowing your rights is pivotal. At its core, personal injury law is designed to protect victims who have been harmed due to someone else’s negligence. If you’ve been involved in a car accident, this branch of law offers a pathway to seek compensation for damages, including bodily injuries, lost wages, pain and suffering and emotional distress.

One critical aspect to be aware of is the statute of limitations. This legal term refers to the time frame you have to file a lawsuit following an accident. Each state has its own statute of limitations, typically ranging from one to four years. It’s essential to act promptly because missing this deadline can forfeit your right to seek compensation. Therefore, understanding the legal landscape early on can significantly impact your ability to pursue a car wreck settlement effectively.

Steps to Take Immediately After a Car Accident

In the chaos of a car accident scene, it can be challenging to think clearly. However, taking specific steps can protect your health and strengthen your car wreck claim. First and foremost, ensure safety by moving to a secure location and checking for injuries. Calling emergency services should be a priority, even if the accident seems minor as the police will document all involved parties and obtain critical contact information.

Gathering evidence is another crucial step. Take photos of the accident scene, vehicle damage, and any visible injuries. These images can serve as invaluable proof when dealing with insurance companies.

Always call the police. They will obtain information with other involved parties, including names, contact details, and insurance information. Lastly, if there are witnesses, kindly request their contact details, as their testimonies may support your claim.

Seeking Medical Attention and Documenting Injuries

After ensuring immediate safety, seeking medical attention is vital, even if you feel just a little injured. Some injuries, like whiplash or internal bleeding, may not manifest symptoms right away. A medical professional can provide a thorough examination to identify any and all injuries.

Documenting your injuries is crucial for both insurance and legal proceedings. Keep detailed records of all medical appointments, treatments, and expenses. These documents will support your car accident claims by providing a clear picture of the impact on your health. An organized file with medical documentation can also facilitate communication with your personal injury attorney and strengthen your case for a deserved settlement. You attorney will help with obtaining all necessary documentation.

Notifying Insurance Companies and Hiring an Attorney

Once the initial steps are managed, it’s time to notify your insurance company about the accident. This should be done promptly, as some policies have specific time frames for reporting incidents. Speak with an attorney before speaking with any insurer to make sure your full rights are protected.

Hiring a car accident attorney is a game-changer in navigating the complexities of a car accident lawsuit. An experienced attorney will understand the nuances of the legal system and can advocate on your behalf. When selecting an auto accident lawyer, consider their experience, track record, and client reviews. The right attorney can guide you through the process, negotiate with insurance companies, and help secure a full and fair car accident settlement.

The Car Accident Claims Process

Navigating the claims process can seem daunting, but understanding the steps can alleviate some stress. Initially, your car accident lawyer will gather evidence to support your claim, including police reports, medical records, and witness statements. This evidence forms the backbone of your case.

Next, your car wreck attorney will file a claim with the at-fault party’s insurance company. This triggers the investigation phase, where the insurer evaluates your claim’s validity and the extent of your damages.

Following the investigation, settlement negotiations commence once you have finished your medical care or have reached a quiescent state. Your auto accident lawyer will negotiate on your behalf, aiming to reach an agreement that compensates you for your losses. With regard to your vehicle damages, the claim will be immediately made and negotiated.

Understanding Settlement Offers

Settlement offers can be complex, and it’s crucial to evaluate them carefully. Insurance companies consider various factors when calculating offers, including medical expenses, property damage, and pain and suffering. Understanding these elements can help determine if an offer is fair.

Before accepting a settlement, consult with your personal injury attorney. They can assess whether the offer covers your current and future needs. Sometimes, initial offers are intentionally low, expecting victims to negotiate. Your attorney can advise if it’s better to accept the offer or push for more compensation. Remember, once accepted, you cannot pursue further legal action for the same incident.

The Importance of Patience and Persistence

Obtaining a settlement after a motor vehicle accident requires patience and persistence. The process can take months sometimes if trying to obtain a full and fair settlement, as insurance companies thoroughly investigate claims and negotiate settlements. Maintaining realistic expectations about the timeline can prevent unnecessary frustration.

During this period, your auto accident attorney plays a vital role. They will keep you informed, manage communications with insurers, and fight for your rights. Persistence is key; advocating for what you deserve can lead to a more favorable outcome. Remember, each step forward brings you closer to closure and recovery.

RECAP

Navigating the path to a car accident settlement can be challenging, but understanding your rights and the process is empowering. By taking immediate action, documenting injuries, and seeking legal counsel, you’re setting yourself up for a fair settlement. Remember, your health and well-being are paramount, and pursuing a settlement is about securing the resources needed to recover fully.

If you’re a car accident victim, you should reach out for support. A personal injury attorney is an invaluable ally in this journey, advocating for your rights and helping you achieve the justice you deserve. Whether you’re grappling with medical bills or seeking compensation for lost wages, knowing your options is the first step to reclaiming control and peace of mind.

Were you recently injured on a car wreck by a careless driver or due to another’s negligence? Contact the Law Office of Craven, Hoover, and Blazek P.C. at 317-881-2700 to schedule a free, one-on-one meeting with an experienced car accident attorney in Indianapolis, Indiana. We represent victims all throughout the state, including Indiana residents injured in other states and residents of other states injured in Indiana.

Moving Past the Financial Harm of a Personal Injury Accident: Advice for Victims

Posted on October 7, 2024 by admin

Personal injuries can be life-altering events that bring about not only physical pain but also financial hardship and emotional distress. Whether you’ve been in a car or semi-truck accident, suffered a workplace injury, or experienced a slip and fall, understanding how to obtain compensation for your losses is crucial. This comprehensive guide aims to help personal injury victims grasp the intricacies of personal injury compensation, ensuring they are well-equipped to pursue their rightful claims.

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Brief Overview of Personal Injury Compensation

Personal injury compensation is essentially a monetary award granted to individuals who have suffered harm due to someone else’s or a company’s negligence or wrongful actions. It covers a variety of damages including medical expenses, lost wages, and emotional suffering. Knowing the compensation options available can make a world of difference in your recovery and financial stability.

Being well-informed about your rights and the compensation process can empower you to make decisions that best support your recovery. Without this knowledge, you may inadvertently forfeit the compensation owed to you.

Types of Personal Injury Damages Awarded

Economic Damages

Economic damages are quantifiable financial losses resulting from an injury. These include medical expenses, rehabilitation costs, and lost wages. They are designed to restore the victim’s financial situation to what it was before the injury occurred.

Non-Economic Damages

Non-economic damages compensate for intangible losses such as pain and suffering, emotional distress, and loss of enjoyment of life. These damages are more subjective and can vary widely depending on the case’s specifics.

Punitive Damages

Punitive damages are awarded in cases involving gross negligence or intentional harm. They aim to punish the wrongdoer and deter similar behavior in the future from the wrongdoer and others. Not every case qualifies for punitive damages, as they require proof of egregious conduct.

The Personal Injury Claims Process

Initial Steps After an Injury

The first steps following a personal injury are crucial. Seek medical attention immediately, even if you feel just a little hurt, as some injuries may not fully manifest symptoms right away. Document the incident by calling the police, taking photos, filling out incident reports and gathering witness statements and contact data, if possible.

Medical records serve as vital evidence in personal injury claims. They provide a timeline of your injuries, treatments, and recovery process, which helps substantiate your claims for compensation. Always follow your healthcare provider’s recommendations and attend all appointments, as much as humanly possible given the complexities of life.

Filing a Claim and the Role of Insurance Companies

Filing a personal injury claim typically involves notifying the at-fault party’s insurance company. The insurer will investigate the incident and may offer a settlement. It’s crucial to be cautious when dealing with insurance adjusters, as their goal is to minimize payouts. You should always get your own attorney to protect you.

If negotiations with the insurance company do not yield a fair settlement offer, you may need to consider legal action. This could involve filing a lawsuit and possibly going to court. Many cases are settled after a lawsuit is filed by prior to going to court for fair amounts. Consulting with a personal injury attorney as soon as possible after your injury is the best course of action.

The Timeline of a Personal Injury Case

The duration of a personal injury case can vary. Some cases settle quickly, while others may take months or even years, especially if the injured party has substantial and lengthy medical care and/or the case actually goes to trial. Only a very low percentage of cases actually go all the way to a trial. Understanding the timeline helps manage expectations and plan accordingly.

Factors Affecting Personal Injury Settlements

Severity and Permanence of the Injury

The extent of your injuries significantly affects the compensation amount. More severe and permanent injuries typically result in higher compensation due to the long-term impact on your life and ability to earn a living.

Comparative Negligence

Comparative negligence, also known as the comparative fault rule, refers to the degree to which the injured party may have contributed to the accident. In some cases, your compensation may be reduced based on your percentage of fault. Understanding this concept is crucial for setting realistic expectations.

The Impact of Pre-Existing Conditions

Pre-existing conditions can complicate personal injury claims. Insurance companies may argue that your injuries were not solely caused by the incident in question. However, if the accident exacerbated a pre-existing condition, you are still entitled to compensation.

The Role of the Defendant’s Insurance Policy Limits

The compensation you receive may be limited by the at-fault party’s insurance policy. If the policy limits are lower than your total damages, you may need to explore other avenues for full compensation, such as possibly seeking to recover personal assets from the wrongdoer and making a claim for underinsured motorist benefits through your own insurance carriers.

Calculating Personal Injury Compensation

Medical Expenses

Medical expenses include all costs related to treating your injury, such as hospital stays, surgeries, medications, and physical therapy. Keeping detailed records of these expenses is essential for accurate compensation.

Lost Wages and Future Earning Capacity

If your injury prevents you from working, you can claim lost wages. Additionally, if the injury affects your ability to work in the future, you may be entitled to compensation for lost earning capacity. This requires calculating potential future earnings based on your career trajectory.

Pain and Suffering

Pain and suffering include both physical discomfort and emotional distress resulting from the injury. Calculating these damages can be challenging, as they are subjective. Juries consider the severity and duration of your pain when determining the amount.

Loss of Enjoyment of Life

This refers to the diminished ability to enjoy everyday activities and hobbies due to your injury. Like pain and suffering, this is a subjective measure but can significantly impact the overall compensation amount.

The Role of Expert Witnesses in Calculating Compensation

Expert witnesses, such as medical professionals and economists, can provide testimony that helps quantify your damages. Their insights are valuable in substantiating your claims and ensuring you receive full and fair compensation.

The Benefits of Hiring a Personal Injury Attorney

Hiring a personal injury attorney offers numerous benefits. They can handle negotiations with insurance companies, gather evidence, and represent you in court if necessary. Their expertise significantly increases the likelihood of receiving fair compensation.

Common Misconceptions

Many people believe they cannot afford a lawyer or that their case isn’t strong enough. However, most personal injury lawyers work on contingency, which means they only collect lawyer fees if they recover an award or settlement for your case. It’s always worth consulting with an attorney to explore your options as soon as possible after your injury.

How to Choose the Right Attorney for Your Case

Selecting the right lawyer is crucial for your case’s success. Look for attorneys with experience in personal injury law and a track record of successful settlements. A good lawyer should also make you feel comfortable and confident in their abilities.

CONCLUSION

Understanding personal injury compensation and hiring a personal injury attorney is vital for securing your financial future after an accident. Each personal injury case is unique, and seeking legal advice will provide personalized guidance tailored to your situation. Don’t hesitate to reach out to a qualified personal injury attorney for assistance. The consultation is free.

Ready to take the next step in obtaining full and fair compensation for your wrongful accident? Contact the Law Office of Craven, Hoover, and Blazek P.C. at 317-881-2700 for a free personal injury case evaluation in Indianapolis, Indiana. Our expert team is here to help you understand your options and pursue the compensation you deserve. We do not collect lawyer fees unless we prevail for you! Meet at our Indy office, over the phone, or via ZOOM. Do not wait – act now while you still have time!

A Discussion of Indiana’s Fault System in Personal Injury Cases

Posted on August 20, 2024 by admin

Accidents can happen when we least expect them, turning an ordinary day on its head. For Indiana residents, understanding personal injury law is crucial, especially when such unfortunate events occur. If you’ve been involved in an accident, knowing how personal injury cases are handled in Indiana could make all the difference in your path to justice and full and fair compensation.

Indiana adheres to specific rules and regulations when it comes to personal injury claims. These laws determine how blame is assigned and how damages are awarded in the event of an accident. For residents, this means navigating a legal landscape that might seem complex at first glance. However, understanding the basics of personal injury law can empower you to take the right steps if you find yourself or a loved one in such a situation.

In this blog, we’ll explore the critical aspects of Indiana’s personal injury law. From comprehending whether Indiana is a fault state or not to understanding comparative fault, we will cover all the essentials. Stay with us as we break down the Indiana personal injury legal system into manageable, digestible pieces.

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Fault States vs. No-Fault States

One of the most critical distinctions in personal injury law is the difference between fault states and no-fault states. Understanding this concept is crucial for anyone dealing with a personal injury claim. But what do these terms truly mean?

In a fault state, like Indiana, the person responsible for causing an accident is liable for the damages. This means that you, as the injured party, must prove the other party’s negligence to claim compensation. On the other hand, no-fault states require each individual’s insurance to cover their losses, regardless of who caused the accident. This system aims to reduce lengthy legal battles over liability, allowing claims to be resolved more swiftly.

The primary advantage of Indiana being a fault state is that it allows victims to claim full compensation from the liable party. However, this system can also become complex, as determining fault isn’t always straightforward. Understanding the implications of being in a fault state is essential for navigating personal injury claims successfully.

How Indiana’s Fault System Operates

In Indiana, the fault system plays a pivotal role in personal injury claims. Recognizing how this system operates will help you better understand your rights and potential outcomes if you’re involved in an accident.

You see, Indiana’s fault system means that the person at fault (to blame) for the accident is responsible for paying for any damages. Whether it’s vehicle repairs, medical bills, pain and suffering or lost wages, the at-fault party’s insurance company typically covers these expenses and damages. For victims, this means that demonstrating the other party’s negligence is a crucial step in securing compensation.

In Indiana the injured party files a claim with the at-fault driver’s insurance company since it is their insurance company that will determine if the case settles or not. The claim requires clear evidence of fault, which can often involve police reports, witness statements, and sometimes expert testimonies. The process can be daunting, but understanding these steps can significantly affect your claim’s success.

But, it’s important to note that Indiana follows a modified comparative fault rule. This means that your compensation will be reduced by your percentage of fault, but more on that in the next section. Understanding Indiana’s fault system is key to navigating personal injury claims effectively.

The Role of Comparative Fault

Comparative fault is a legal principle that plays a significant role in personal injury cases in Indiana. This concept can directly impact the amount of compensation a victim receives, so it’s essential to understand how it works.

Under comparative fault, each party’s responsibility for the accident is assessed. In Indiana, if you are partially at fault for the accident, your compensation will be reduced by your percentage of fault. For example, if you are found to be 20% at fault, your compensation will be reduced by 20%. This rule ensures that all parties share the financial burden according to their level of responsibility.

Furthermore, Indiana follows the 51% rule, which states that if you are found to be more than 50% at fault, you do not qualify for damages (compensation). This rule incentivizes safe behavior while ensuring that only those primarily responsible bear the brunt of the financial consequences. Again, it is not the party themselves but is almost always their insurance carrier which pays any verdict or settlement.

Understanding comparative fault is crucial for setting realistic expectations in a personal injury case. It’s essential to gather sufficient evidence to understand your fault percentage, if any, and the defendant’s or defendants’ fault percentage. Working with a knowledgeable attorney can help you understand and potentially challenge the fault assessment by the defendant’s insurance company in your case.

What to Do If You’re in an Accident

Being involved in an accident can be overwhelming, but knowing the steps to take immediately afterward can protect your rights and strengthen your personal injury claim.

Ensure everyone’s safety and call for medical help if needed. Your health should always be your priority. Even if injuries seem minor, seeking medical attention promptly can prevent complications and provide documentation for your claim.
Next, gather as much information as possible. This includes taking photos or videos of the accident scene, collecting contact details of witnesses, and obtaining the other party’s insurance information. Documentation is crucial for supporting your claim and proving fault.
Report the accident to the police and your insurance company. A police report serves as an official account of the incident and can be invaluable in proving fault. Informing your insurer promptly is also essential, even if you’re not at fault, as it ensures you comply with policy requirements.
Call Craven, Hoover & Blazek, P.C. at 317-881-2700 as soon as possible so evidence regarding your case can be accumulated and so you can consult with an attorney on your side.

Choosing the Right Personal Injury Attorney

Selecting the right personal injury attorney is a critical decision that can significantly influence the outcome of your case. Here are some tips to guide you in making this choice:

▶ Look for an attorney with experience in handling personal injury cases specific to Indiana. Local expertise ensures they understand state laws and can leverage this knowledge to strengthen your case.

▶ Consider their track record and reputation. An attorney with a history of successful settlements and satisfied clients is likely to provide effective representation.

▶ Schedule an attorney consultation to assess their communication style and approach. A good attorney will listen to your concerns, explain complex legal concepts in understandable terms, and keep you informed throughout the process. This relationship is key to building trust and confidence in your legal representation.

Bringing It All Together

In conclusion, understanding Indiana’s personal injury law is crucial for residents and victims of accidents. From recognizing the state’s fault-based system to comprehending the impact of comparative fault, these insights are invaluable. Remember, taking the right steps after an accident and choosing the right attorney can significantly influence the outcome of your claim.

For those navigating the aftermath of a personal injury accident, seeking professional legal advice is a wise step. Complexities in the law and insurance processes can be daunting, but with the right guidance, you can secure the compensation you deserve. Don’t hesitate to reach out to a qualified attorney to explore your options and protect your rights.

Are you ready to pursue the personal injury settlement you and your loved ones deserve? Contact the law office of Craven, Hoover, and Blazek P.C. at 317-881-2700 today. Our Indianapolis civil litigators provide free initial consultations and never collect lawyer fees unless we recover a settlement or verdict for you. We represent victims all throughout the state, plus Indiana residents injured in other states.

Unlocking Personal Injury Compensation: The Vital Role of Medical Professionals

Posted on March 5, 2024 by admin

Suffering an injury as the result of an accident can be a harrowing experience. Not only are you dealing with physical and emotional trauma but also the daunting prospect of navigating the world of personal injury claims. That’s where medical professionals come in, not only as healers but as crucial witnesses in your quest for just compensation. Understanding their significance and how to work effectively with them can be the difference between a fair settlement and added distress. Continue reading to learn more about the important role of medical experts in obtaining full and fair compensation for your personal injury claim.

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The Lifesaving Documents: Medical Reports

In the intricate dance of personal injury claims, medical reports and opinions are the foundation. They serve as the firsthand account of your injuries, providing details that profoundly influence the compensation you’re entitled to. These documents are more than just a witness statement; they are the voice of your injuries in the courtroom.

> Accuracy of Diagnosis

An incorrect or incomplete diagnosis can lead to a skewed compensation amount. Ensuring the legitimacy and thoroughness of your medical report is paramount. It guarantees that all injuries, from the visible to the seemingly minor, are not only diagnosed but documented and treated properly.

> Treatment Plans and Prognosis

Beyond listing injuries, reports should include comprehensive treatment plans and a clear prognosis. This is crucial in outlining the financial and medical needs brought about by the accident. Whether it’s immediate surgeries or long-standing therapies, these records demand deliberation and detail.

> Daily Impact and Workability

A good report doesn’t just focus on the clinical assessment but highlights the practical aspects. Can you walk without pain? Are you able to lift heavy objects without risk? These detailed descriptions of how your daily life and work capability are now altered create a realistic picture that demands consideration.

Expert Witnesses in the Courtroom

In almost all personal injury cases, expert witness testimony is required. Medical experts, in this role, act as neutral witnesses whose testimony can powerfully sway the scales in your favor.

> Providing Impartial Expert Opinions

Expert witnesses are expected to provide an entirely impartial perspective on your injuries. Their allegiance is to the truth, and their insights can significantly back your claim with factual, medical information.

> Making Complex Medical Info Accessible

Most jurors are not medically versed, making their interpretations of reports or testimony difficult. Expert witnesses simplify and clarify this information, ensuring everyone in the room understands the full extent and implications of your injuries.

Influence on Compensation Amount

The medical professionals’ reports and expert testimony directly tie into the compensation amount you’re seeking. They map out the why, what, and how much—crucial components that can’t be overlooked or undervalued.

> Linking Injuries to the Incident

Medical professionals ensure a direct medical link is established between your injuries and the accident. Their reports set the scene of the incident in a clinical light, affirming the connection necessary for compensation.

> Assessing Short and Long-Term Effects

The ripple effect of an injury is just as critical as the injury itself. Reports should never skip over the potential long-term effects, ensuring that compensation accurately reflects the ongoing challenges you may face.

> Defining Necessary Care and Rehabilitation

Your medical team not only diagnoses and reports but also prescribes the path to recovery. Their recommendations on necessary care and rehabilitation weighs significantly in the compensation calculation, aligning the financial remedy with your recovery plan.

The Controversies and Challenges

Despite their noble duty, medical professionals are fallible, and the process is not without its controversies or challenges. Mistakes get made in medical records. Disagreements and conflicts can arise, adding layers of complexity to your compensation calculation.

> Interpreting Subjective Pain and Suffering

Pain and suffering, though significant, are subjective—resisting easy medical categorizations. This interpretation is not a straightforward line item in reports and often a subject of debate. In the end, it the jurors that decide how to value pain and suffering from injuries.

> Disputes Over Injury Severity

Disputes emerge over the severity of injuries. What one professional might deem severe, another might regard as moderate. Resolving these discrepancies requires clarity and often secondary opinions.

> Navigating Conflicts of Interest

In the realm of medical assessments, conflicts of interest can cast a shadow of doubt. Transparency and vigilance in these matters are vital, ensuring that all perspectives are unbiased and in service of your case.

Empowering Yourself in the Process

Your role in this intricate process is not passive. Empower yourself with the knowledge and strategies to ensure your medical professionals are not just working for you, but working effectively. Here are some tips to get you on the right path:

> Seek Other Medical Opinions if Necessary

The gravity of your injuries might merit not just one, but several medical opinions. Diverse perspectives can bolster the collective understanding of your condition and the best paths forward. Moreover, if one doctor tells you no other treatments will fix you it is okay to get a second opinion because the obvious goal is to get you back to where you were physically the day before the injury.

> Maintain Detailed Records

Transparency is a powerful tool. Maintain your detailed medical records, ensuring that no pertinent detail is lost or overlooked. These records can serve as a narrative of your recovery, reaffirming the need for rightful compensation. Your attorney will obtain your medical records for you but it is important to tell your attorney of all medical providers.

> Communication is Key

Your communication with healthcare providers should be clear, concise, and comprehensive. Articulate how the accident has affected you in your own words, providing another layer to your medical story that reports might not convey.

> Legal Counsel—Your Beacon in the Process

A personal injury lawyer is not just another piece to the puzzle but a beacon, guiding you through the intricacies of your claim. They champion your rights and advocate for the compensation commensurate with your damages.

Partnering with Professionalism for Your Fair Claim

The road to personal injury compensation isn’t easy, but understanding the roles at play makes the process more navigable. Collaborating with medical professionals who are dedicated and thorough and pairing that with legal representation that is knowledgeable and passionate, strengthens your position significantly.

CONCLUSION

The medical professionals involved in your personal injury claim are pivotal. Their reports and expertise are the threads that weave through the fabric of your compensation claim, giving it both structure and truth. By recognizing their significance, effectively partnering with them, and securing competent legal counsel, you enhance your chances of securing the compensation you deserve. Your voice in the courtroom might be intimidated, but the combined strength of your medical reports and legal representatives should not. Your path to recompense has a guide, and that’s a step toward healing that no injury can diminish.

Start Your Journey to Justice with Craven, Hoover, and Blazek P.C.

In the complex tapestry of personal injury law, navigating your path to fair compensation requires not just knowledge, but a compassionate ally. At Craven, Hoover, and Blazek P.C., our blend of professionalism, empathy, and expertise is dedicated to ensuring your voice is heard and your rights are respected. We understand the physical, emotional, and financial toll an injury can impose on you and your loved ones. That’s why we commit to standing by your side, guiding you through every step of the legal process with understanding and unwavering support. Reach out to us today at 317-881-2700 for a free consultation, and together, we’ll take the first step towards healing and justice.

Win Your Accident Case: A Closer Look at Personal Injury Claims in Indiana

Posted on February 16, 2024 by admin

Personal injury claims are not just about seeking financial compensation; they are about regaining control amidst the chaos of an accident, and they are a means to hold those responsible for your suffering accountable. However, navigating the legal landscape of personal injury cases can be labyrinthine, particularly when specific state laws and regulations come into play. For Indiana residents facing the aftermath of an accident, understanding the intricacies of the personal injury claim process is critical to achieving a favorable outcome.

In this guide, we delve into the key components of personal injury claims, the pivotal steps to take, and the nuances of Indiana’s legal framework. Whether you’re a victim of a car accident, slip and fall incident, trucking accident or medical malpractice, this resource will equip you with the knowledge you need to pursue just compensation for your injuries.

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The Perils of Personal Injuries in Indiana

Indiana’s bustling cities, interconnected roadways, and vibrant communities mean that accidents, unfortunately, are a part of life. A personal injury can strike suddenly and disrupt every facet of your life. You may face physical pain, emotional trauma, financial distress, and the daunting task of dealing with the aftermath. Understanding the full extent of the difficulties you face as an injury victim forms the foundation for a proactive approach to your recovery, both personal and legal.

Types of Damages Suffered by Injury Victims

Personal injury cases typically involve a spectrum of damages, which can be categorized into economic and non-economic losses. Economic losses include medical expenses, wage loss, property damage, and any other financial detriment resulting from the accident. Non-economic damages encompass pain and suffering, emotional distress, and loss of enjoyment of life. Recognizing these various losses is crucial for later quantifying them in a claim.

Understanding Personal Injury Claims: The Why’s, How’s and Who’s

When is the right time to file a personal injury claim? Why should I file a claim? These are some of the first questions that often arise for injury victims. In Indiana, the reasons to file a claim are numerous, particularly when losses are significant and have a lasting effect. Whether you are the direct victim of an injury or a related party, the ability to file a claim is generally broad but defined within certain parameters.

Reasons to Pursue an Injury Claim

Filing a personal injury claim serves several purposes, including reimbursement for medical bills, lost wages, and property damage. Furthermore, it is a legal recourse to address the pain and suffering inflicted by the negligent party. In extreme cases, punitive damages may also apply, providing a measure of punishment and a deterrent affect for particularly egregious conduct.

Indiana Statutes of Limitations

Each state imposes statutes of limitations, which dictate the time-frame within which a claim must be filed. In Indiana, the statute of limitations for personal injury cases is generally two years from the date of the injury. Failure to file within this period can result in an absolute bar to recovery, making prompt action imperative for any potential claimant. If your claim is against a governmental entity, your time for filing a tort claims notice which is a prerequisite to filing a lawsuit is much shorter than 2 years.

How to File a Personal Injury Claim in Indiana

In Indiana, the injured person themselves is typically the primary claimant. However, in the event of severe injuries or fatalities, or if the injured person is a minor or dependent, a family member or guardian may seek compensation on their behalf. Additionally, certain situations may lead to third-party claims, expanding the scope of recovery options for victims. It is important to hire an experienced accident attorney to navigate the claim filling process with you. Generally, this process includes steps such as:

► Gathering Evidence and Documentation

The strength of your claim often hinges on the evidence collected at the scene and documented in the aftermath. Photographs, witness statements, dash and body camera and medical records can be pivotal in proving the cause and effect of your injuries. A comprehensive record is the cornerstone of any successful claim.

► Hiring an Attorney and Filing the Lawsuit

Navigating personal injury law can be daunting, particularly when you are contending with the complexities of a claim. Hiring an experienced accident attorney immediately is your best defense against the tactics of insurance companies and the legal maneuverings of opposing counsel. Your injury lawyer will guide you through the process of filing a lawsuit, ensuring that all legal formalities are met.

► Negotiating a Settlement or Going to Trial

The vast majority of personal injury claims are resolved through settlement negotiations. These discussions aim to reach a satisfactory agreement between the injured party and the at-fault party’s insurance company without going to trial. However, if a mutually acceptable resolution cannot be achieved, the case will proceed to trial where a judge or jury will determine the outcome.

Factors That May Affect Your Personal Injury Claim

Navigating the circumstances that can affect the outcome of a personal injury claim requires awareness and foresight. In Indiana, several key factors can significantly influence the trajectory of your case, such as:

Comparative Negligence Laws – Indiana follows a modified comparative negligence standard, whereby the injured party can still recover compensation even if they are partially at fault for the incident. However, their recovery is reduced by their percentage of fault. Understanding this concept is crucial, as it may impact the ultimate award. If you are more than 50% as the injured party you do not win your case in Indiana. If your claim is against a governmental agency or in medical malpractice cases, different laws apply.

Impact of Insurance Coverage – Insurance policies often play a significant role in personal injury cases. Understanding the relevant insurance coverage, policy limits, and potential for recovery from different sources is a critical aspect of claim evaluation and negotiation.

Social Media Activity – In the digital age, social media can become a double-edged sword in personal injury cases. Posts, comments, and photos shared online can be used as evidence, affecting the credibility of your claim. Maintaining discretion on social platforms can protect the integrity of your case and leave less chances of a defense attorney twisting or leaving context out of such evidence.

Tips for Maximizing Your Personal Injury Claim

Achieving the full potential of your personal injury claim necessitates a proactive and diligent approach. Here are essential tips to help you navigate your claim and maximize your recovery:

— Seeking Immediate Medical Attention

Prompt medical attention not only prioritizes your health, which is always paramount, but also creates a contemporaneous record of your injuries. This documentation is persuasive evidence in support of your claim.

— Documenting Injuries and Damages

A meticulous record of all injuries suffered, treatment received, and ongoing symptoms is indispensable. Establishing a documented chain of evidence paints a detailed picture of your losses and the subsequent impact on your life.

— Keeping a Record of Expenses and Losses

Maintaining a ledger of all related expenses, such as medical bills, property damage, and other financial outlays, is imperative for a comprehensive demand for compensation.

— Hiring a Reputable Personal Injury Attorney

An attorney with a robust track record in personal injury cases can be the most crucial asset in your journey to securing fair compensation. With their expertise, they can ensure that your rights are protected and that you receive the best legal advocacy possible.

Final Thoughts

Seeking a just resolution to a personal injury claim is more than a legal process; it is a personal journey to reclaiming your life. With the insights and knowledge provided in this guide, injury victims in Indiana are empowered to take the necessary steps towards recovery and the pursuit of deserved compensation. Remember, the key to winning your case is to act decisively and align yourself with the right legal representation from the outset.

If you or a loved one has been injured in Indiana, do not hesitate to seek legal advice tailored to your specific situation. The road to recovery may be long, but with the right approach, just compensation can be within reach. Contact Craven, Hoover & Blazek, P.C. at 317-881-2700 to schedule a free initial consultation with a personal injury lawyer in Indianapolis, Indiana. Call now before time runs out on your claim.

How to Navigate the Aftermath of a Personal Injury in Indiana

Posted on November 27, 2023 by admin

Personal injury incidents, whether they occur in a car accident, at work, due to the negligence of a physician or due to a faulty product, can leave you grappling with physical pain, emotional distress, and financial strain. Maneuvering through the legal process in such a situation can be a daunting task, especially when you are trying to recover.

This blog post aims to guide you on how to navigate the aftermath of a personal injury in Indiana. We will discuss the role of a personal injury attorney, provide insight into the personal injury settlement process, and analyze how to best assess your damages and losses. We hope this guide can serve as a roadmap to help you find your way through this challenging time.

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The Role of a Personal Injury Attorney

Navigating the legal system can be complicated, and this is especially true in personal injury cases. A personal injury attorney can be your biggest ally during this time. They are trained professionals who concentrate on handling legal matters related to personal injuries and have extensive knowledge of the laws and regulations in Indiana. Hiring a personal injury lawyer can help you understand your legal rights, negotiate with insurance companies on your behalf, and ensure that you get the compensation you deserve. Furthermore, they can handle all the complicated paperwork and represent you in court if necessary, allowing you to focus on your recovery.

The Personal Injury Settlement Process

The personal injury settlement process is when parties involved in such an incident agree to resolve the case without going to trial. It involves negotiating a settlement amount that covers your damages and losses, including medical bills, lost wages, and pain and suffering. This process can be complex and requires careful consideration of various factors such as the severity of injuries, long-term impact on your life, and potential future expenses. Having an accident attorney by your side is essential to facilitate this process as they have experience in negotiating settlements and fighting for their clients’ best interests.

Assessing Damages and Losses

One of the most crucial aspects of navigating the aftermath of a serious injury is accurately assessing your damages and losses. These can include economic damages, such as medical bills and lost wages, as well as non-economic damages like pain and suffering and emotional distress. It’s essential to document all your expenses and keep track of any physical or emotional changes you experience as a result of the injury. Your accident lawyer can assist in this process by gathering evidence, consulting with medical professionals, and calculating the full extent of your damages to ensure that you receive fair compensation.

Mistakes to Avoid During Your Personal Injury Case

When you are a personal injury claimant, there is a lot at stake when it comes to your personal injury case. One of the most important things to keep in mind is to avoid making any mistakes that could negatively impact your case. This includes avoiding making statements or posting photos on social media that could be misinterpreted and used against you in court. Additionally, it’s important to keep all documentation related to your accident claim in a safe place and to avoid discussing your case with anyone other than your lawyer. Remember, one mistake can significantly affect the outcome of your case, so it’s important to be vigilant and cautious throughout the entire process.

Conclusion

Suffering from a personal injury can be overwhelming, but having the right information and support can make a significant difference. Remember to seek medical attention, gather evidence, and consult with an injury attorney as soon as possible after an incident occurs. They can guide you through the legal process, negotiate on your behalf, and help you get the compensation you deserve. By following these tips, you can navigate the aftermath of a serious accident in Indiana with confidence and focus on your recovery.

If you or a loved one have experienced a personal injury, don’t hesitate to seek the necessary help and support. Contact Craven, Hoover, and Blazek P.C. at 317-881-2700 to schedule a free initial consultation with an experienced personal injury attorney in Indianapolis, Indiana. We provide contingency-fee representation, so you don’t pay anything unless we successfully secure a settlement or verdict on your behalf.

Medical Insights: The Difference Maker in Personal Injury Cases

Posted on November 9, 2023 by admin

When it comes to personal injury cases, the difference between a favorable outcome and a disappointing one often hinges on the insights provided by medical experts. Their expertise and understanding of complex health conditions can be instrumental in shedding light on the nature and impact of injuries sustained.

In this blog post, we’ll delve into how medical experts contribute to personal injury cases, the importance of their expert testimony, and why their knowledge can be the decisive factor in reaching a fair and just resolution.

Call 317-881-2700 When You Need a Personal Injury Law Firm Near Indianapolis

The Role of Medical Experts in Personal Injury Cases

Personal injury cases involve legal disputes arising from accidents or incidents that have caused harm to an individual’s physical and/or mental well-being. These injuries can range from minor cuts and bruises to severe disabilities or even death. In such cases, medical experts play a crucial role in providing the necessary knowledge and evidence to support the plaintiff’s claims.

The first step towards seeking compensation for personal injuries is establishing proof of harm. This requires demonstrating that the injuries sustained were a result of the incident in question. Here, medical experts can provide invaluable insights by examining the patient’s medical history, conducting thorough physical exams, and reviewing diagnostic tests. Their findings help establish a clear link between the accident and the resulting injuries, providing a solid foundation for the case.

The Importance of Expert Testimony

In personal injury cases, expert testimony is often the most important form of evidence. It involves medical experts taking the stand and giving their professional opinions on matters such as causation, severity of injuries, and long-term effects. This testimony can be crucial in helping judges and jurors understand complex medical terms and processes that may have contributed to the injuries.

Expert testimony also helps bridge the gap between medical evidence and legal arguments. Medical experts are well-versed in presenting technical information in a manner that is easily understood by non-medical professionals. Their insights can make a significant difference in how the evidence is perceived and evaluated, potentially swaying the final decision in favor of the plaintiff.

Why Medical Knowledge Matters

In personal injury cases, medical knowledge can be the decisive factor in determining the outcome. The insights provided by medical experts can uncover hidden injuries or long-term effects that may not have been immediately apparent. This information can significantly impact the amount of compensation awarded to the plaintiff, as well as the defendant’s liability. Additionally, medical knowledge helps establish a timeline for recovery and potential ongoing treatment costs, which are essential considerations when seeking damages.

Moreover, medical insights also play a critical role in assessing non-economic damages such as pain and suffering or loss of enjoyment of life. These aspects are often challenging to quantify but can significantly impact the plaintiff’s quality of life. Medical expertise provides opinions on the severity and long-term effects of injuries, helping to assign a fair value to these intangible yet very real damages.

Conclusion

In personal injury cases, medical insights are undeniably the difference maker. The expertise and knowledge provided by medical experts can be instrumental in establishing proof of harm, providing crucial evidence in the form of expert testimony, and determining the extent of damages. As such, it is essential for plaintiffs to seek out reputable and knowledgeable medical experts to ensure that justice is served in these cases. By understanding the role and importance of medical professionals in personal injury cases, we can better appreciate their contributions towards achieving fair resolutions for those affected by accidents or incidents.

We hope this blog post has provided helpful information about medical testimony for wrongly injured victims in personal injury cases. Contact Craven, Hoover & Blazek, P.C. at 317-881-2700 to schedule a no-fee personal injury case evaluation with a seasoned accident lawyer in Indianapolis, today. Meet with us over the phone, video conference, or in person at our Indy office.

Top Reasons Insurance Companies Deny Personal Injury Claims

Posted on October 2, 2023 by admin

Navigating the world of personal injury claims can be a tumultuous journey, fraught with complexities and unexpected roadblocks. One major hurdle personal injury claimants often face is having their claim denied by insurance companies. As heartbreaking as it sounds, it’s a common reality many individuals grapple with, often leaving them in a state of confusion and desperation. In this blog post, we’ll reveal the top excuses used by insurance companies in an attempt to deny or lower the value of personal injury claims. We hope to provide insight and guidance that can help you avoid insurance claim pitfalls.

So, whether you’re just starting your claim, or you’ve already enlisted the help of a personal injury lawyer, having this knowledge at your disposal is invaluable. Strap in as we unravel the often opaque world of insurance claims.

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Why Do Injury Claims Get Denied By Insurance Companies?

Reason 1: Failure to Seek Prompt Medical Treatment

One of the most common reasons insurance companies deny personal injury claims is if there’s a gap between the date of the accident and when medical attention was sought. Insurance adjusters are trained to scrutinize every detail in an attempt to discredit your claim. If you wait too long before seeing a doctor, they’ll use this as an excuse to argue that your injuries weren’t a direct result of the accident. To avoid this, make sure to seek medical treatment as soon as possible after an accident, even if you don’t feel any immediate significant pain or discomfort. Tell your doctors each and every body part that hurts and describer the type of pain to them.

Reason 2: Discrepancies in Medical Records

Another tactic used by insurance companies is to compare your medical records from your different providers. If there are any what appear to be discrepancies, they’ll use this to question the legitimacy of your claim. It’s important to be consistent when describing your injuries and symptoms to medical professionals, and to seek treatment from a reputable doctor or specialist. It should be noted there are always “discrepancies” is treatment records as not all doctors and nurses use the exact same language when documenting a medical encounter and sometimes the medical providers simply make mistakes, especially when they are filling out a medical record hours after they saw the patient or for any other of several reasons.

Reason 3: Pre-Existing Injuries

Insurance companies often try to argue that your injuries were preexisting and not caused by the accident. They will request access to your medical history, looking for any previous injuries or conditions that could be used against you. It’s important to disclose any preexisting injuries or conditions to your doctor and personal injury attorney, as they can help document a case that proves your current injuries were exacerbated by the accident, even if you did have any pre-existing condition.

Reason 4: Lack of Evidence

Insurance companies are notorious for denying claims due to a lack of evidence. This is why it’s crucial to gather as much evidence as possible after an accident, including witness statements, photos, and police reports. Without solid evidence, insurance companies can argue that the accident didn’t occur or that your injuries were not as severe as you claim.

Reason 5: Failure to Follow Doctor’s Orders

If you fail to follow your doctor’s recommended treatment plan, insurance companies may use this as a reason to deny your claim. They may argue that your injuries were not as serious as you claim or that you didn’t take proper steps to recover. It’s important to follow all medical advice and document any missed appointments or treatments.

Reason 6: Lack of Legal Representation

Insurance companies know that individuals without legal representation are more likely to accept a lower settlement or give up on their claim altogether. Having an experienced personal injury lawyer by your side greatly increases your chances of success and helps to ensure that you receive the full compensation you deserve.

Reason 7: Statute of Limitations

Each state has its own statute of limitations for personal injury claims, which is the time limit within which a claim must be filed. If you miss this deadline, insurance companies can use it as a reason to deny your claim. It’s important to file your claim as soon as possible after an accident and be aware of the statute of limitations in your state.

Conclusion

While dealing with insurance companies may seem like an uphill battle, understanding their tactics and having a knowledgeable personal injury litigator on your side can make all the difference. By avoiding these common pitfalls, you can increase your chances of a successful claim and receive the compensation you deserve for your injuries. Don’t let insurance companies deny you justice – arm yourself with knowledge and seek professional legal assistance to help navigate this complex process.

Would you like to speak with a seasoned civil litigator who knows how to deal with stubborn insurance companies? Contact the law office of Craven, Hoover, and Blazek P.C. at 317-881-2700 to set up a free case evaluation with an experienced accident claim lawyer in Indianapolis, Indiana. We represent personal injury claimants all across the state, including Indiana residents injured in other states. No need to travel – we gladly provide the option to hold meetings by phone, at your residence, online, or at the hospital if necessary.

Stages of a Personal Injury Claim: What Happens When a Defendant’s or Your Insurance Company Refuses to Pay?

Posted on August 22, 2023 by admin

No one expects to be injured in an accident. But when it happens, you rely on your and the defendant’s insurance company for financial compensation to cover medical bills and other expenses. Unfortunately, insurance companies are not willing to pay out what you would say is fair on personal injury claims, leaving the victim with a lot of questions and no answers. If your insurance company is refusing to pay on a valid claim or denying liability altogether, don’t despair – there are steps you can take.

In this blog post, we’ll explore the stages of a personal injury claim so that you know what to expect if your insurer refuses payment. We’ll also look at how hiring a qualified personal injury attorney can help improve chances of getting compensated for damages caused by another party’s negligence or recklessness. Read on for more information!

Call 317-881-2700 If your Injury Claim Was Denied in Indianapolis Indiana — Call 317-881-2700 If Your Injury Claim Was Denied in Indianapolis Indiana

What to Do if an Insurance Company Denies Your Injury Claim

Hiring a Personal Injury Attorney

The first step in any personal injury claim is to get legal representation. Even if an insurance company has not initially denied the claim. Insurance Companies are businesses and their goal is to make money. If they can pay less to you on any of their claims, they will. Your attorney’s job is to get them to pay what they actually owe, not what they want to pay.

Hiring an experienced personal injury attorney can significantly improve your chances of getting fully and fairly compensated for damages caused by the other party’s negligence or recklessness. A personal injury lawyer will be able to review your case and help you decide whether it’s worth pursuing legal action. They’ll also represent you in court, if necessary, and guide you through the entire process from start to finish.

Notifying the Insurance Company

The next step is in the personal injury claim process is to notify your insurance company of the incident. Your lawyer should help you with this exchange. This should include a detailed description, photos if applicable, contact information for all involved parties, and any other relevant documentation. It’s important that you provide as much detail as possible to your lawyer during this stage so they can ensure the claim can be thoroughly investigated. When involved in an injury case, numerous insurance companies are involved. Your auto insurance carrier, the defendant’s auto insurance carrier, health insurance companies including Medicare, Medicaid, Medicare Advantage, private health insurance carriers, and health insurance carriers through an employer. It is vital to hire a civil litigation attorney specializing in Indiana accident law so all of the involved parties are dealt with appropriately.

Awaiting Insurance Adjusters

Once the insurance company has been notified, they’ll typically assign an insurance adjuster who will assess the claim’s validity and decide how much compensation is due to the injured party. These reps are specifically trained to try their best to lower the value of a claim by any means necessary. If your insurance company denies payment or liability altogether, then it’s time to consider legal action and your attorney will handle that for you.

Filing a Personal Injury Lawsuit

If a defendant’s insurance company has denied your claim or your own uninsured motorist insurance company if the defendant was uninsured, then it may be time to consider filing a personal injury lawsuit. A personal injury lawyer will help you navigate the legal process of bringing your case before a judge and jury in order to seek compensation for your losses. They will also handle all of the paperwork associated with filing a suit, as well as represent you in court throughout each stage of litigation, including pre-trial motions, discovery processes, hearings, trial preparation, and more.

In all cases, your attorney will try to negotiate a fair settlement for you and indeed, most cases do eventually get settled short of going to trial, but you should have an attorney who is always preparing to go to trial and then if your case does not go to trial that is great, but preparation and being ready for the trial if necessary is paramount.

Obtain the Personal Injury Settlement You Deserve

The bottom line is that if your or the defendant’s insurance company refuses to pay on a valid claim, don’t give up! Consider seeking legal counsel as soon as possible so that your rights are protected throughout the process. With the right personal injury attorney at your side, you may have a good chance of getting fair compensation for medical bills, lost wages, pain and suffering, and other damages caused by an accident.

Would you like to speak with a seasoned civil litigator who knows how to deal with stubborn insurance companies? Contact the Law Office of Craven, Hoover, and Blazek P.C. at 317-881-2700 to schedule a free initial consultation with our personal injury attorneys in Indianapolis, Indiana. We represent injured victims all across the state and Indiana residents injured in other states. In addition, we offer the option to hold meetings either by phone, at your residence, online, or at the hospital if necessary.