When you have been injured in a car accident in Berks County, what steps should you take to protect yourself? Dealing with an insurance company can be very difficult and having your case prepared properly is very important. Here are three steps you should take if you have been injured so that you can set up a proper claim with your insurance company.
1. Get all medical treatment your doctor suggests
The first and most important suggestion that anyone should consider when they are injured in a car accident is to get the medical treatment that their primary care physician tells them to get. This may mean an initial ride to the hospital and treatment in an emergency room, but also can include follow up rehabilitation visits and meetings with the orthopedic surgeons or other doctors and specialists. It’s tempting to try to be tough in situations like this, and it’s also natural to be concerned about the medical bills that might result. If you’ve been injured in a car crash, you should know that your car insurance includes personal injury protection (PIP) coverage.
Pennsylvania state law requires your insurance to cover at least $5,000.00 of medical bills. Depending on your particular policy, you may have even more coverage than that. And because this PIP coverage is given greater buying power under state law, this represents a lot of medical treatment. So, if your doctor tells you to get counseling, see a rehabilitation specialist, or suggests any other course of treatment, do it and make sure to submit the bills to your car insurance company. This is one of the only times in life where your medical treatment will be paid entirely by someone else without a copay or any other cost to you, so there is no reason not to pursue it. In addition, pursuing this treatment will build your claim regarding your car accident.
2. Don’t speak to an insurance adjuster without legal advice
The requirements of politeness often make people think that they have to speak to an insurance adjuster who calls them shortly after an accident. This is not the case. An insurance adjuster, even for your insurance company, may not have your best interest at heart. They may call you and ask you how you are feeling, all as part of trying to get a statement out of you that can be used against you later. There is really no need to correspond with your insurance company until your treatment is complete or until the statute of limitations on your case is about to run out. For this reason, it’s important that you speak with a lawyer before you take the call from an insurance adjuster. A personal injury attorney in Berks County can help you to determine whether speaking to an adjuster is in your best interests or not.
3. Know your rights
The most important thing you should remember after a car accident is to know your rights. You have a right to be compensated for the injuries that you suffer. This compensation can include pain and suffering that you have experienced as a result of the accident, lost wages, and of course, any medical bills your PIP coverage did not take care of. In other words, it’s not just about getting your medical bills paid. It can also include your lost wages and the trouble you’ve had getting back to work. All of these should be factored into an appropriate settlement.
Conclusion – Call a Reading, PA Personal Injury Lawyer Today
At Cornerstone Law Firm, we help people who have been injured here in the Berks County area with their injury claims, ranging from car accidents to wrongful death. Our office is in Blandon, just outside of Reading and we help people throughout the county to gather what is necessary to present their claim and to make sure they’re getting the best settlement possible. If you have a question, call us at 610-926-7875 for a free consultation about your injury case.