Your Next Steps
1. COLLECT INFORMATION.
Get the names and contact information for all witnesses and people involved in the accident.
2. SEE YOUR FAMILY DOCTOR.
It is important to get medical attention right away—not only for your claim but to increase the chances of your full recovery.
3. KNOW YOUR INSURANCE POLICY.
Know the particulars of your insurance policy. Coverage offered by long-term disability insurance differs, depending on the insurance company you are dealing with and the plan you have. Make sure you have a copy of your plan and bring it with you when you meet with us. For motor vehicle insurance, you do not need a copy of your policy but you will need to know if you have paid for any optional benefits.
4. KEEP DETAILED RECORDS.
Be obsessive about record keeping. It is hard to go back and piece together what happened long after the fact. Keep a diary related to your injuries and economic losses. Document your phone calls. Print out copies of emails. Take your own notes when you meet with health care providers. Keep it all together in a file you can add to and reference. Ask friends and family members who are involved in your care to keep their own notes, too—they may be eligible for financial compensation for their expenses as part of a settlement. At the very least, their information could strengthen your case.
5. KEEP RECIEPTS.
Keep all receipts related to your claim. Expenses might include medication, house cleaning, private care providers, transportation, parking, assistive devices and more.
6. WATCH WHAT YOU SAY.
Your insurance company is looking out for its best interests, not yours. Be careful about the information you share with the adjuster. There is no getting around paperwork—you will have to fill out forms and provide details of your injury before your insurer will consider your benefits claim—but it is best to speak with a personal injury lawyer before you communicate with the insurance company.
7. REMEMBER THAT YOUR CASE IS UNIQUE.
Every neighbour, friend, coworker and family member who has been involved in a personal injury claim will have a story to tell…but remember: they are experts in their case, not yours. Accept their advice with a smile…and talk to us, a personal injury lawyer.
8. START NOW.
Delays can hurt or even eliminate your chances of obtaining accident benefits or filing a successful suit. Put your claim at the top of today’s to-do list. We have listed some important timelines below.