Insurance companies employ a defense based strategy when responding to claims. The agencies delay, deny, and defend to avoid paying out money. Despite their commercials, you should not assume that insurance companies are going to be on your side. Below are some useful tips to help you avoid insurance denial and be awarded a fair settlement in your case.  

1. Inform your attorney about your medical history, including injuries, addictions, ailments, and illnesses

Insurance companies share information and can track every claim you’ve ever made. Pre-existing medical conditions will be revealed. Tell your attorney about past problems upfront, or insurers may argue that your injuries stem from earlier (or later) medical issues.

2. Keep your records for all out-of-pocket medical expenses and lost income.

3. Take notes – lots of them.

If your attorney asks for them, these notes will later help illustrate how your life has changed because of the incident. Your attorney may (or may not) ask you to keep a daily record for him or her of your physical and emotional experiences after the incident, even if they seem uninteresting. Those might describe what you do when you get up in the morning, what type of effort you put into your job, and what non-work activities you do. Describe all changes in your work, personal, and family life. Include notes about medical treatments, medications, hospitalizations, symptoms, setbacks, and inconveniences.

4. Don’t talk. Don’t sign.

5. Don’t throw any evidence away – it might be important

Keep anything that might be linked to your cases, such as clothing, photos, defective parts/machinery, or foreign substances involved in your injury. Save medicine bottles and physical therapy devices. Take photographs of all motor vehicles, appliances, and so forth that may be connected (directly or indirectly) with your injury incident.

Following these tips after an injury incident, you stand a much better chance of receiving a fairer insurance settlement.