If you choose not to retain a personal injury attorney - gather proof of your claim so that you can demonstrate, or more importantly, prove that your claim is valid. What constitutes proof? A police report demonstrating that you were not at fault. While a police report is not generally admissible in a civil case, it will convince an insurance adjuster that the claim against its insured is valid. It is usually the first document reviewed by an adjuster to determine whether its insured caused an accident or injury. The next step is to gather all of the evidence (proof) of damages and injuries. The easiest way to do this is to immediately photograph your vehicle, the other driver’s vehicle and any demonstrable evidence of your injuries (cuts, marks, and bruises).
The next step of proving your claim is requesting all of your medical records and bills. This includes gathering itemized statements from your medical providers- not just invoices the provider sent you. An itemized statement will demonstrate the total amount of the charges, not just the amount you owe after health insurance paid. The law allows a victim to recover the full amount of the medical expenses, whether the victim paid them or not.
After this information is gathered, you should submit a demand for payment from the at-fault driver’s insurance company with all documents evidencing proof of your claim. This includes the police report, photographs of the vehicle damage and injuries, and medical records and bills. If you lost income due to your injuries, you should inform the adjuster of your job, and a detailed calculation addressing how you arrived at the amount of lost income you are claiming. If you have your human resources providing documentary evidence it will further prove and validate this claim. In addition, you should inform the adjuster how this accident caused you pain and suffering- detailing your pain and how it affected your work and activities.
In short, to validate your claim, you must prove it with evidence. This requires you to do everything you can to gather, protect and preserve the evidence from the moment the accident occurred.
Remember, personal injury law can be complex. Make sure you have the right personal injury law firm representing you. Having the right law firm will make all the difference in your Phoenix, Arizona personal injury case.