Auto Accident: Personal Injury Insurance Claim Help

The average American driver should know more about the subtle requirements of an auto accident personal injury insurance claim letter than is currently known. The reason for this is that about eight out of every ten American drivers file an insurance claim at one point or another during their active driving years. This clearly indicates that leaving the issue of an auto accident personal injury insurance claim to chance, as we currently do, is not in anyone's best interests.

The Auto Insurance Claim Letter is a Legal Document

There is a definite need for education in knowing what to include and what not to include in an auto insurance claim letter. You are better off meeting that need before you find yourself in the unfortunate situation of missing hundreds--and even thousands--of dollars that you are legally entitled to just because of ignorance.

It will be taken for granted that you have read the fine print ahead of time so you do not make illegitimate claims that are not covered by your policy. Once you've taken care of that, the rest is easy. If you play according to the rules of course.

How to Write an Ideal Auto Insurance Claim Letter

The first thing to consider while making an insurance claim is that you are dealing with a legal document. From the point of the occurrence of an accident, there are legal implications for everything you do or fail to do. This also applies to everything you disclose or fail to disclose. The more detailed the information you provide to your insurer, the more raw materials you place in their hands to get you the appropriate settlement.

For your letter to be effective, it must answer the following questions:

• What are the details of the car(s) involved in the accident?
• What is the estimated cost of vehicle repairs (where repairs are still possible)?
• What was/Were the specific injury/injuries sustained?
• What specific medical treatment(s) did you receive as result of the injury and what was the cost?
• What additional damages did you suffer outside the injuries?
• What other persons or organizations are responsible for covering your personal injuries?
• What income have you lost as result of the accident?

Appealing to Reason through the Proper Use of Language

Getting adequate compensation is a pure game of wits. The way to win in the game is through the proper use of words and persuasive expression in your auto insurance claim letter. While your letter must be specific and persuasive, in order to command respect, your letter must be devoid of verbose, self-pity and unnecessary displays of emotion. For your auto accident personal injury insurance claim to paint the appropriate picture, you must use specific terms to describe exactly what you suffered or lost, whether those entities are tangible or abstract. That means any shame or embarrassment suffered because of your injuries must be included.

Writing an appropriately-worded auto accident personal injury insurance claim letter can be very simple once you have all the necessary information readily available. If at all in doubt, then please seek legal advice.

Related Questions and Answers

No win no fee car insurance claims are standard car insurance personal injury cases where the lawyer agrees up front that if there is no win, you won't be charged a fee. This simply means, if there is a claim or settlement, then the attorney will take the usually 33 percent allotment that has become standard in the insurance industry. Personal injury lawyers are experts at no win no fee insurance claims, as these claims seldom come to trial and are settled so the lawyer ultimately gets one third of the claim.