Month: July 2018

Understanding the Claims Process – Consult a Professional

 

It is true that filing a claim can be quite confusing. There are intricacies that may be unique to your particular case. Understanding this process is important for you, in knowing what to expect. Scheduling a claim adjuster appointment is the best way to get the information that you need. This is the time to ask relevant questions about your particular case.

claim adjuster appointmentfiling claims

Some claims have to do with accidents, such as vehicle or motorcycle mishaps. Others could involve workplace falls or safety conditions. Personal injury to the body or property of an individual is addressed through proper insurance coverage. Not all policies are the same, nor do they have the same percentage of coverage. Knowing more about your coverage will enhance the claims process overall.

Learning the Process

There are many types of insurance coverage that regularly process claims. Auto insurance, health insurance, life insurance and others all have procedures for claims. Some things are likely not to be covered, especially with policies that have minimal percentages. Deductibles and other factors also play important roles in filing claims.

Legal Implications

Some individuals who have never used their insurance coverage may not have reasonable expectations. This is another area where adjusters come in handy. There will be accidents that require legal assistance and have implications related to claims. This often means working with a lawyer, as well as, the insurance company.

These are experts who are proficient with the insurance industry and the techniques necessary for filing claims. They utilize this experience to work with clients and to answer important questions. Any medical services not fully covered by a policy, must be paid by the patient. Understanding exactly what your coverage is will be helpful. An adjuster is familiar with these issues and can provide assistance.

5 Reasons to Hire a Workers Compensation Lawyer

Workers compensation is a type of insurance that all California employers who have six or more employees must have to protect their employees in the event of an accident or injury at work. Every employee is entitled to workers comp benefits if they’re injured while on-the-job. It seems pretty clear, but you might find that you actually need a workers comp lawyer to help you get what is rightfully coming to you. Read below to learn 5 of the many reasons to hire a workers comp attorney.

workers comp lawyermaximum medical improvement

1.    MMI: California law requires that a workers comp claim be labeled as MMI when the maximum level of rehabilitation from the injury has been attained. Many other states do not have an MMI law. An attorney can help you better understand maximum medical improvement and how it works so you are compliant with all laws and regulations.

2.    Denial: If your workers comp claim has been denied, you need an attorney.  There are several reasons for a denied claim but an attorney will help you resolve any of the issues.

3.    Expertise: Attorneys have a special expertise concerning workers compensation that you do not have. It is nice to have the assurance that a legal expert brings your way.

4.    It is Easier: When you’ve been injured on the job, it turns your life upside down. You’re hurt, unable to work, need to go to the doctor, and have bills piling up. You do not need any more stress than you already have. With an attorney by your side, it is much easier to get what you need and get on with life.

5.    Peace of Mind: When you hire a lawyer, there is a certainty and peace of mind that you enjoy. Without an attorney, it is anyone’s guess how the case will go. When there is an attorney there, you’re confident in your case.