Compensation Claims From BP

Compensation claims from the oil giant BP are growing and rightfully so. There are so many people displaced financially, due to the largest oil spill disaster in history and the spill continues to pollute and prevent fishing that are the livelihood for many coastal families. The solution to all this is still yet to be seen, but the obvious issues that are most current are replacing lost income for commercial fishermen.

Providing compensation claims allows those directly affected by the oil spill to be financially covered to prevent, yet another equally disastrous event of financial ruin. When someone or something prevents you from resuming your income abilities, then you have a right to pursue those responsible for damages and lost wages.

Thankfully, and not a minute soon enough, President Obama was finally able to meet with the BP CEO and work out a quick response to those most in need of having their income compensated because of their inability to make their living from the ocean. Twenty billion dollars was initially earmarked by BP to get funds readily available to those people unable to maintain their financial way of life.

While the money compensation claims are a great start, so much more is needed to continue to replace and repair the damage made from this oil spill. Unpredictably, Kevin Costner has been working on a process for several years whereby you can separate water and oil. A movie actor with a sideline such as this is stranger than fiction itself, but it is quite true. Currently, BP has agreed to purchase some of these units from Costner and allow him to assist in collecting and separating the oil from the water.

The majority of those in need do not know how to claim compensation. The best way to get financial assistance, if you have been affect by the oil spill in the gulf, is to contact your local attorneys and they should have the shortest route to those that need to be reached for the compensation claim forms from BP.

One way that BP has arranged for loss of wages, is to employee commercial fisherman and unemployed people to help in the clean up, inspections, animal bathing and disposal of debris. If you are directly affected by this situation or are wondering, can I claim compensation, contact your local attorneys for a quick answer and response to your specific situation. Everyone is affected differently and obviously the compensations will also differ as well.



Insurance Agents – How Does Yours Measure Up?

Insurance agents can be some of the most important people you’ll ever do business with. They will help you protect your property, your assets and your finances. The work of an insurance agent has the potential to save you from financial ruin.

You could go through your whole lifetime and not need the services of an attorney. You could live and die and not have to use an accountant. But you can’t live in “the real world” without insurance agents.

But remember…it’s YOUR responsibility to learn which coverages are right for you.

Have you ever heard a story from a friend or relative who filed an   insurance   claim , only to find out that the coverage their agent promised was not there? I hear those stories ALL THE TIME, and at the WORST POSSIBLE TIME…AT CLAIMS TIME!

I began my insurance career as an agent in 1973. I kept my agent licenses active until 1992 when I became an insurance adjuster. During that period of time, I sold nearly every kind of insurance imaginable. That gave me a depth of experience in insurance sales. But all of that experience did not make me an expert in insurance. I learned risk analysis and sales techniques. But I don’t think that I ever had one minutes’ training in how to handle a claim. When my clients had a claim, I gave them the company’s phone number and told them to call it in. We occasionally filled out an Acord form, which is a standard industry form for filing a claim. That was all we did.

The best agent is a person who has spend time studying insurance, not a person who is an expert in sales. The largest percentage of insurance agents of all types are sales people, not insurance experts. Your agent may or may not be an expert in insurance. You’ll have to simply ask your agent what his education level is.

There are a lot of colleges and universities that offer degrees in insurance today. In our area, the University of Georgia offers degrees in Risk Management and Insurance. It’s a pretty well-respected program.

Agents can also become experts in insurance by going through continuing education, such as the Certified Property Casualty Underwriter (CPCU) education program. Life insurance agents can achieve the Certified Life Underwriter (CLU) professional designation. There are other designations available to agents, but those two are the most widely accepted educational programs.

Agents in most states also have to complete a state-required number of Continuing Education hours each year in order to maintain their insurance licenses. If they don’t complete the hours, the state cancels their licenses.

An agent has a duty to you, called the “fiduciary duty.” That means that he must keep your financial well-being first in his priorities. If an agent sells you an insurance policy because it has a higher commission than another policy, he has breached his fiduciary duty to you.

Agents usually carry a type of liability insurance called “Errors and Omissions” liability insurance. Errors and omssions (E&O) is the insurance that covers the agent’s company, or the agent individually, in the event that a client holds the agent responsible for a service he provided, or failed to provide, that did not have the expected or promised results. This protects agents and their clerical staff from liability due to negligent acts, errors and omissions while conducting their business. It will protect the agent from problems like the following examples:

1. loss of client data. The agent simply loses your file, physically or electronically.

2. system or software failure. Computer at the agent’s office crashes and all data is lost.

3. negligent oversell. The agent sells you coverage you don’t need, or sells you coverage limits higher than necessary.

4. claims of non-performance. This is a broad category but needs to be. This could include charges that an agent did not sell the proper policy, or the proper amount of coverage.

The number 4 example above is the most prevalent and most dangerous for agents. Here’s why.

People today have multiple insurance exposures, like:

auto physical damage

auto liability

uninsured or underinsured motorists exposures

homeowner physical damage

homeowner liability

excess liability

businessowner physical damage

businessowner liability

home-based businesses

life insurance needs

health insurance needs

disability insurance needs

Any one of the exposures listed above can effect any of the others. They are intricately woven together in each of our lives.

Any agent doing business in the modern world should do an insurance analysis of any prospect’s present insurance and his future insurance requirements. To fail to do so is an invitation for a lawsuit.

What does this mean to you?

First: If your agent makes promises to you about coverage, and your claim gets denied, you can make a claim against the agent’s Errors and Omissions Liability policy. You may have to get an attorney involved, but that only increases the chance that your denied claim will get paid.

Next: In my never-to-be-humble opinion, ALL agents selling ANY kind of insurance should perform a Insurance Needs Analysis for the prospect PRIOR to selling the policy. In addition, I believe that an agent should carefully explain the findings of the Insurance Needs Analysis to the prospect PRIOR to selling the policy. Once the explanation is complete, the agent should require the prospect to sign off on the policies that are sold, and sign off on the policies and coverages that are not sold. “Signing off” simply means that the prospect states that the agent has explained all coverages, and he either accepts or rejects any given coverage.

Both parties..the agent and the policyholder…benefit in this transaction. The policyholder has a complete explanation of the policy he’s buying and its relationship to all his other insurance. The agent sells the right coverage, and significantly lowers the risk of a lawsuit or claim against his E&O coverage for selling the wrong coverage.

Here’s what an insurance analysis procedure should look like.

1. Personal Information Collection: get as much information about the insured and his family members as possible.

2. Get Copies of Existing Policies: the agent should actually read the existing policies.

3. Analyze Insurance Needs: determine the correct coverages needed and the correct policy limits.

4. Recommendations: what should be purchased and prices.

5. Application and Sign-off Analysis: fill out the application and have the insured sign off on the analysis form.

6. Deliver the Policy: An agent should deliver the policy in person and explain it again, not just send you a copy in the mail.

Even after all of the training and education that any  insurance  agent acquires, the agent is still not an expert in how to handle an  insurance   claim . I’ve had lots of people tell me that they were going to get their agent to help them with their claim. Later, they figured out that the agent didn’t know much more about the claims process than they did. As I wrote earlier, agents can become experts, but their expertise is customarily in the sales and needs analysis areas of  insurance …not  claims . For most agents, learning the claims process would be a waste of their time, since most agents are not licensed to handle claims.

Sure…some agents will be given a small claims settlement authority by the company they work for. Some agents will be able to settle claims up to about $5,000.00, and then only in the property side of the claim…such as a small water loss or a theft. But, for the most part, the  insurance  company concentrates  claims  handling with the claims employees and independent claims adjusters.

The most important strategies you should take from this article are:

1. Interview EVERY insurance agent to find out their level of expertise. Only do business with the most qualified, educated and experienced agents. Let the inexperienced agents practice on people who don’t care about protecting themselves the right ways.

2. Don’t always chase after the lowest premium. You get what you pay for. You’d be better served to pay a higher premium if a highly qualified agent takes care of you. You don’t drive the cheapest car you can find, do you?

3. Never be hesitant to call the Department of Insurance of your state if you have problems with your agent. Agents are regulated for a reason.

If you’ve had bad experiences with insurance agents, how about telling us about it?



Payment Protection Insurance and Reclaiming PPI

The controversy around PPI refuses to die, with more than 3 million people claiming PPI reclaims. Let us take a look at what is Payment Protection Insurance – What are the instances of a PPI mis-sell, and what is the procedure for a PPI reclaim.

Payment Protection Insurance or PPI as it’s popularly known is an insurance that’s sold along with a loan, credit card or a store card. In an event of a situation where you are unemployed, invalid or death, PPI is supposed to cover the payment. It’s also called Loan Protection Insurance.

PPI, although a good plan for those who are seriously worried that they might lose their job or might fall ill, has gained notoriety for being mis-sold. This means that people have been sold PPI’s without knowing that their claims would be rejected if they were to apply for a reclaim. Also instances where people were misinformed that the PPI increases chances of the loan being approved, or instances where people never asked for a PPI, but it was nevertheless added to the loan or instances where you were not informed that there are other cheaper options of PPI.

People with a history of heart complaints, high blood pressure, diabetes or asthma are refused a reclaim on PPI. Also, people who are unemployed retired or self employed are refused a reclaim on PPI. Similarly, people above the upper age limit cannot reclaim PPI. There are many instances of people who fall under one or all of the categories are sold a PPI, even without informing that they cannot reclaim PPI. People who fall under this category can file a reclaim claiming mis sell. If you are one among those who have been sold a single premium policy, you should get a refund on cancelling the PPI. If the PPI is cancelled or the loan repaid early, but the PPI isn’t cancelled, then a reclaim for a PPI can be made. Even if you weren’t mis-sold the PPI, but had to face problems when cancelling the PPI, you could still apply for a reclaim claiming mis sell.

If you have been mis-sold a PPI, you can write to the bank or the lender that sold you the PPI, citing reasons why do you think that you have been sold the PPI. There are chances that the bank would refuse your claim saying that they have enough proof to prove that you were made aware of all the terms and conditions when you were sold the PPI. If the bank does not entertain your request you could speak to a claims management company or an attorney or even the Final Ombudsman to register a complaint against the bank.

The total amount through PPI reclaims could be anywhere around £ 3.2 billion, with the FSA issuing new rules to handle PPI mis-sell complaints.



Some Things to Do When Claiming Car Insurance

Car accidents can be bad and insurance is the only solace in such situations. But claiming your car accident insurance is not as easy as you think. If your car has been involved in any type of accident or damage, it is important to organize the details correctly prior to claiming the insurance else your claim is most likely to be rejected. First things first, we understand that an accident can be nerve wrecking. However, you have to still keep your calm and focus on putting together relevant details to file your claim.

Here are the five important things to do when filing a car insurance claim:

Determine the extent of injuries

The first thing to do when your car is involved in an accident is to analyse the extent of damage. If the damage is minor and can be repaired without drilling a hole into your pockets, we will recommend you to avoid filing an insurance claim. After all, this improves your credibility with the insurance company and is reflected in terms of bonus or perks on your existing policy. In case you are confused, you can always talk to your insurance advisor and seek further guidance.

File an accident report with the police

It is important to let the police know about the accident as soon as possible even when the damage is minor. In fact, police should be the only agency with whom you share every detail of the accident prior to approaching your insurance company. Also, this police report is going to come in handy for your claim as well.

Jot down the facts

For cases where the accident involves two parties, it is important for you to get the driver details, registration number and other details of the opposite party. As soon as you get over the trauma of the accident, it is important to jot down all the details that happened during the accident before the insurance company undertakes a detailed enquiry. This will ensure that you convey the required information without missing out on the little details.

Let your agent know

If your car is involved in an accident, it is important to let your insurance agent know as soon as possible. Additionally, this agent will also give you the required guidance on how to proceed further on the basis of analysing your situation. Even after you file the claim, make it a point to follow-up the matter with your agent in order to ensure that your claim is processed faster.



Risk and HR Managers Must Work Together

With health care costs rising, companies routinely question how they can continue to provide health benefits to their employees without cutting into their bottom line.

Traditionally, these decisions are primarily made in the Human Resources department, which not only chooses what benefits to offer, but also must communicate those benefits – and changes in them – to employees.

These decisions, however, should not be made in a vacuum. Health benefits decisions made in one department can effect other areas of the company, and ultimately impact the company’s bottom line in ways that may not have been foreseen.

One example is the relationship between Human Resources and the person at the company responsible for risk management. That could be a risk manager per se, the chief financial officer, treasurer, or vice president of administration – whoever is responsible for managing risk. Changes that happen with employee health benefits by human resources ultimately can impact costs trying to be controlled by the risk manager. Both positions can help the company if HR and risk managers understand how changes to employee health benefits could impact risks to the company. It’s important to find a balance so everyone – employees and employer – come out ahead.

Here are some ways the HR department and the risk manager can work together to benefit employees and the company.

1. Consider the possible negative impact before cutting medical benefits: If medical benefits are cut and employees know they must pay more for doctor visits, they may be more likely to declare an illness or injury as a workers compensation claim. They might attribute the nagging back pain to an injury or overuse at work, rather than the weekend soccer game.

Since there is no co-pay or deductible for workers comp claims, it costs the employee nothing, but could end up costing the company much more than a traditional medical claim. Workers comp claims can also result in paid time off work or lost time, adding further to company costs as well as reduced productivity while the employee is away from the job.

Regardless of whether a   claim  is under the group medical or workers comp, HR and the risk manager can work together to reduce the amount of the  claim  through medical  management  and early return-to-work programs. Return-to-work programs offer the employee light or modified duty so the employee stays productive in the company. Such programs are quite common for workers comp, but not for short-term disability claims. With HR and risk management working together in a total disability management approach, effective cost containment measures such as this can be shared for the benefit of all.

Benefits communication to employees is another area of opportunity. This is more commonly done in HR, but rarely done for workers comp. The person in charge of risk management would be well-advised to work with HR to put together a communication package about workers comp so employees will better understand how it works, why it’s a benefit to them, and what it costs the company. Since HR is accustomed to communicating with employees about employee benefits, it would be a good communication avenue to discuss workers comp issues as well.

2. Medical management: This is where a company partners with a local doctor or clinic to provide medical treatment for employees. These doctors are invited to tour the workplace so they can see the work environment and learn about the work employees do, including physical requirements of the various jobs. Employees are then encouraged to use these doctors for treatment. Because these doctors understand the nature of the work, they are better able to treat these employees for specific work-related problems and will also help release them for modified or light duty work. This benefits both the employee and the employer and works best with a trusting employee population. Companies need to make sure they have the employees’ best interests in mind and are not just out to reduce medical costs without regard to the quality of the services. It’s important that the health care provided be as good or better at the same or lower cost.

3. Encouraging better health: Part of a risk manager’s job is to cut reduce the number and cost of medical claims from on-the-job injuries. One proven way to do this is to have a healthier workforce. Risk managers should join HR departments to offer programs that encourage employees to get and stay healthy. This includes fitness programs, nutrition counseling, smoking cessation plans, and health screenings. Such programs are often overlooked or not implemented because the relationship between them and reduced claims is difficult to prove. However, these programs ultimately can reduce medical claims and costs as well as increase employee productivity and job satisfaction, and reduce turnover.

Companies also should consider offering the new Health Savings Accounts (HSAs), which allow employees to manage some of their own health care dollars and derive additional benefits from being informed consumers. With these newly approved accounts, an employee chooses a higher deductible for health care, which allows the company and the employee to make deposits in an HSA in an amount equal to the deductible. Unspent account balances grow tax-free and eventually may be used for non-medical purposes. Since it’s their money, employees might take more responsibility for how they spend it and hopefully, choose a healthier lifestyle if it reduces their out-of-pocket health care costs.

4. Combine health and safety: Risk managers are concerned about employee safety, while HR managers focus on employee health. Combining these goals can help employees achieve both at the same time. We worked previously with a utility in Montana that had a safety program to keep workers safe in the field. We implemented a health program along with the safety program that encouraged employees to participate in a fitness program. This included blood pressure and cholesterol screenings so employees would become healthier overall. The result: the safety record improved because healthier employees had fewer on-the-job injuries.

Health care decisions are made by consumers. The more informed these consumers are, the better decisions they will make. The challenge and opportunity is for HR and risk management to work together to educate employees so they can make the better decisions for their own wellbeing as well as for the benefit of the company they work for.



Auto Insurance Claims – Who Claims More?

In general, auto insurance companies see male drivers between the ages of 18 to 24 years old driving more aggressively than females or any other drivers in all of the other age groups. It also has been proven that men in that age group are on the road much more than any other drivers and they also drive more aggressively and do not always obey the speed limit and they typically ignore some of the most important safety laws. It seems that the entire male population has always believed that they are the best drivers on the road and truly invincible and they don’t think they could ever get into an accident. But, in actuality the opposite is true but only for the younger male, in the age group between 18 to 24 years old. The statistics show that this age group of males makes the most auto insurance claims, 1,828,000 more in just one year. According to statistics in a 2004 report this age group of male drivers is also involved in 27,000 more fatal accidents.

Insurance companies have always based their premium for this particular age group of males on the statistics making their premiums much higher than anyone else. It doesn’t even matter if they meet some of the requirements for lower premiums, the insurance company does not take any of them into consideration. Because statistics haven’t changed yet the insurance companies haven’t changed either. They still view the young male as a high risk driver and their premiums are calculated on that viewpoint.

But, times are starting to change and things are looking up for young men. Because of how our society is these days, females are driving more because more of them are working now, but still taking their children to and from school and outside activities. Females are now put in the position of also being the caretakers for their aging parents. This means taking their parents to their medical appointments, doing their shopping, etc. Also, females are still the ones that run all the errands for their own family also including trips to the doctor for their children, shopping for food and clothes for everyone. So, all of these things put females under a lot more stress while also putting them on the road more driving back and forth, here and there, always in a hurry to get everything done and still make it home in time to prepare dinner for their family.

The statistics still show that males are still the higher risk when it comes to auto insurance but this might change soon as women are on the road more and more. Until then, males will continue to pay the higher premium.



How Can You Make Work Injury Claims Successful?

Unfortunately, accidents at work are becoming common day by day. No workplace is safe from accidents. Employers are responsible to look after the workplace and the employees, during working hours, by complying with the laws of Health and Safety Executive. An employer must ensure repair and maintenance of the work place as well as equipment, to reduce the chances of work accidents.

What can cause work accidents?

Some work accidents can occur due to negligence of the employer while result from an employee’s own fault or due to someone else’ carelessness.

Common causes of work accident injuries are:

  • Fault in an equipment or vehicle
  • Lack of proper care and storage of the machinery
  • Spillage causing slipping and falling
  • Inhalation of harmful chemicals
  • Obstructions at work areas
  • Electrical shock
  • Falling from heights
  • Tripping off from obstacles
  • Unguarded machinery,
  • Slippery floor surface
  • Forklift accident injuries
  • Skin diseases
  • Burning
  • Respiratory disorders, etc.

Whatever the cause of the accident at work may be, it is an employee is legal right to get compensation if he is not responsible.

Risky Jobs

All work types are vulnerable to accidents and injuries. Different kinds of accidents can take place at any workplace. However, some work places and occupations are more prone to work accident injuries. These include:

  • construction work and builders
  • industries, mills and factories
  • Jobs involving exposure to chemicals and fiber
  • Heavy machinery operators
  • Painters
  • Carpenters
  • Store keepers
  • Shop staff

What should one do in case of an Accident at Work?

After an accident at work, one should immediately:

  • Report the accident at work to the supervisor or employer
  • Fill the accident book
  • Consult a general physician and get medical treatment
  • Contact a   Claim   Management  Company

How can you start Work Injury Claims?

Getting started with work injury claims is not that difficult at all! All it takes is one phone call on  Claim   Management  Company’s free helpline or completion of their  claim  accident at work form. One must inform the claim firm about all the relevant details, without hiding any important information.

In order to get maximum compensation for work injury claims, claimants must keep all record of all documents and evidences to proof that they are not responsible for their injury and accident caused at the work place. Work injury claims are invalid without evidences. It is better to take assistance from a reliable  Claim   Management  Company; they will collect all the evidences, on their own, without causing inconvenience to the injured claimant. Claimants should also show cooperation with the expert lawyer handling their claim accident at work.

How can a Claim firm help in claim accident at work?

Daily, a  Claim   Management  Company gets numerous work injury  claims  for different types of work accidents, personal injuries and sufferings. Here are some of the several ways in which a  Claim   Management  Company can help claimants get maximum compensation for their work injury  claims .

  • A  Claim   Management  Company can help you check if you are eligible for making  claims  and will provide free claim worth assessment.
  • The company will also investigate your accident case and act on your behalf to get maximum compensation for you, on NO WIN NO FEE basis.
  • The experts are experienced in recovering compensation for all types of accidents at work, injuries and industrial diseases.



The Basics of Water Damage Insurance Claims in Florida

Water can cause vast damage to a home and the property inside it. In Florida, water damage occurs frequently due to high rainfall and moisture levels. Because the state is so humid, the damage incurred by a leak may increase because of mold growth. If you discover that your home has sustained damage from water, you may be feeling frustrated and confused about what to do. If you have insurance that covers water damage, there are several factors and options to consider regarding filing a claim to cover the cost of damages.

National credit databases such as C.L.U.E. (Comprehensive Loss Underwriting Exchange) keep a record of any transactions or activities involving your insurance. That means that any claim filed with your insurance company, or even just an inquiry, can be noted on your records. Based on this information, an insurance company is entitled to raise your homeowner’s insurance rate, deny an insurance application, or even cancel an existing policy. For this reason, it is crucial to check your policy to see what the repercussions would be in reporting water damage, and if the coverage that you would receive would justify filing a claim.

If you decide to pursue a claim, there are certain steps that must be taken throughout the process to ensure that your chances of fair compensation are maximized. Throughout the clean-up process, be sure to take numerous photographs of any damage. You may need to move some items out of the damaged area, but try to take pictures of the original state of the damage before it is changed, if possible. Some insurance policies may contain responsibilities that the homeowner must fulfill, such as draining any standing water or working to prevent mold, so investigate your policy to see if it contains these types of regulations. It is also important to note that, according to Florida Stat. 95.11, any claim filed for water damage must be placed within 5 years. However, if the damage was caused by a hurricane, the statute of limitations is 3 years instead.

Mold can be a very serious problem after water damage has occurred. In a humid climate like Florida’s, mold can spread quickly and cause severe damage to both your property and health. Steps can be taken to prevent or minimize mold growth, and these precautions must be enacted as soon as possible to avoid disastrous problems.

Once you begin contacting your insurance company regarding your claim, it is critical that you keep a record of all correspondence. The insurance company is responsible for handling the claim through certain procedures and timelines, so it is important to have evidence of the time and content of any communication with the company, in case a bad faith issue arises, such as your insurance company refusing to pay a reasonable amount for the damages incurred. Your claim may include Additional Living Expenses (ALE) if you are forced to live elsewhere while the damage is repaired. This can include hotel costs, transportation, storage, etc. If you will be claiming compensation for these, make sure to keep all the receipts acquired for these expenses. Unfortunately, a new Florida law permits insurance companies to delay compensation for water damage until after the repairs have been completed, so you may have to pay out of pocket for the up-front costs. If this is the case, be sure to keep records of all expenses incurred during repairs.

From May to September, hurricane season is in full swing in Florida, which usually leads to more water and flood damage. In light of the disastrous floods that hurricanes can bring, it is important to remember that flood damage is covered independently from water damage. Many individuals do not discover that homeowner’s insurance typically does not cover flood damage until they are facing thousands of dollars in repairs and learn the unfortunate truth that they must fund this cost themselves. It is important to fully understand what your insurance policy does and does not cover before it’s too late.

In the event that your insurance company acts in bad faith, such as refusing to handle your claim in a timely manner, you may need to consider contacting an insurance lawyer to pursue a case for fair compensation. All of the records that you’ve kept of the damage and claim process will be crucial in such a situation, so it’s important to stay as organized and thorough as possible.



Road Traffic Accident Claims Made Easy

Roads are no longer safe as they once used to be. Road traffic accidents have become very common. Almost every day we get a report of an accident. People try their best to make a claim before the limitation time ends to get compensation for the damages to their vehicle and personal injury.

Is it necessary to demand compensation?

If you are suffering from injuries due to an accident caused by someone else then it is your legal right to make personal injury claims for compensation. Medical treatments, rehabilitation, caretaker, vehicle repair and recovery are not affordable for everyone. Especially, when the injury is sever and require long time for healing. Compensation money not only makes one’s life easy but also teaches a lesson to the person at fault.

What should one carry when going on the road?

When travelling, one must carry:

  1. A mobile phone: to call emergency, in case of personal injuries, claim firm and family
  2. Camera: to take photographs for evidence purpose
  3. First-aid kit: to deal with the injuries before the help arrives
  4. Copy of the insurance policy
  5. License
  6. Identity card
  7. Vehicle registration
  8. A paper and a pen: to note down important information regarding the accident

Why is it easy to make a claim?

Making road traffic accident claims are easier than in the past. The modern life has become very busy. One hardly has time to pursue lawyers and people who are involved in an accident that caused personal injuries. Many times, a victim is not in position to meet anyone or go anywhere due to severity of the injury. A Claim Management Company is a blessing in situations like these. Here is how the lawyers make a claim process easy for a claimant:

  1. Their team is easily approachable and reliable.
  2. They are just a call away and available round the clock to help the accident victims.
  3. We only need to give them a call and tell them about the accident in detail.
  4. They will listen carefully and assess the worth of your personal injury claim.
  5. The lawyers and claim specialists deal in all types of claims.
  6. These lawyers will start the claim process by signing an agreement with the claimant.
  7. Then the claim management company will send its team to probe into the accident and collect all evidences.
  8. They will arrange for the victim’s medical examination.
  9. The team will compile all documents and hand them over to the specialist lawyer.
  10. The company promises the claimants to keep all information confidential.
  11. The lawyers will contact the insurers of both parties to conclude.
  12. If the insurer or the party at fault rejects the claim, then the lawyer will file a lawsuit.
  13. The claim firm will manage court proceedings on behalf of the claimant.
  14. The victim will not have to attend the proceeding or visit the insurers.
  15. The claim firm will arrange treatment and rehabilitation of the person, until he or she recovers.
  16. They even help in case of loss of earnings due to an accident.
  17. The company or the assigned lawyers will not charge anything at all for making a claim, if it is lost. This means that making a claim is not only easy but also free of any risk.



Insurance Claims For Property Damage

Your home has just been struck by a crashing tree, tornado, vandals, wildfire, or some other calamity. What do you do? Where do you begin? Assuming you’ve already safely evacuated the home and secured it from additional damage, your next step involves a call to your insurance company. And then the insurance claims process begins.

Filing insurance claims for property damage begins by notifying your insurance company that damage has occurred. From there, you will need to fill out paperwork, meet with an adjuster, document your losses, and arrange for repairs. You will also need to pay your insurance deductible and ultimately settle the claim. Depending on the extent of the damage, this can be a challenging and lengthy process.

Use a digital or video camera as soon as possible to document the damage to your property. The sooner you can safely document the damage, the better. For example, hail damage is often difficult to prove, especially on older roofs. Start documenting before the hailstones melt to prove that your house was indeed pounded on by damaging hailstones. Be as thorough as possible, documenting all damage to your home as well as to your belongings. It is also smart to videotape destruction within the community as further proof that this wasn’t an isolated event.

While it may be tempting to discard damaged goods, only do so if the damaged items are hazardous or harmful such as broken shards of glass or waterlogged furniture that will soon turn to mold. If you must discard damaged items, take detailed photos beforehand. Consider cutting off swatches of fabric to prove that the furniture was made of expensive leather rather than cheap vinyl.

Ideally, you will have anticipated future insurance claims long ago. If you had the foresight to do so, gather your home inventory documents, photos, and videos. You will share these with your insurance adjuster to prove your losses. If you didn’t, you may need to go through credit card records and receipts to prove how much you paid for specific items.

Use a notebook and assess your home, building by building, room by room, for damage. Use a system to ensure that you do not overlook anything. Work in a clockwise direction, surveying each element of each room systematically from the top down and from left to right. With this system, you would enter a room, and note the area immediately to the left of the door.

Let’s say that it is the master bedroom. Examine the ceiling area of the wall to the left of the door. Note any leaks or damages in your notebook. Any damage to the wall? The floor? The furniture against the wall? Move to the next wall and repeat, working your way around the room and noting any damage as you go. Use a separate piece of paper for each room and attach any photos that support your notes.

Once you have assessed the damage, use your notes to create a list of losses, room by room, and write down the value of each item lost or damaged. If you don’t know the value or haven’t received an estimate for repairs, that’s fine. Just make sure that you have a master list of all losses so that nothing is overlooked.

Your insurance adjuster will arrive to evaluate the damage. After he has examined your home, make sure that everything on your list has been noted by the adjuster. Remember that the burden of proof is on you, so while it may be hard to go through and prove your losses, it will be worth your time.

Once the insurance company has agreed that a covered loss has occurred, it’s time put your contractors to work repairing your home. Look for local, reputable contractors that are licensed, insured, and committed to quality.

The insurance claims and home restoration process is lengthy and it requires your active participation. Your attention to detail and efforts at documenting the damage will help get the claim off to a good start.

By: Mr. Mark Decherd