Auto insurance protects you from any unforeseen liability arising out of an automobile accident or loss. This covers many aspects of losses such as injuries and vehicle damages in general and many others such as lost wages and pain and suffering. When you are injured seriously, impacting your life for a long part of your future and sometimes with a permanent disability. It is greater than any other financial loss and it needs to be addressed by both the insurer and the insured. The victim can claim compensation for pain and suffering from auto insurance under specific circumstances as stipulated by the insurance laws. The state laws in this regard are different and some states even allow exemption on the claim settlement. The person at fault has to compensate for the pain and suffering in addition to loss of wages. The normal compensation for pain and suffering is three times that of your medical bill costs. Depending upon the nature of the injury complications could arise at a later date such as a neurological damage which may not show up immediately.
In the accidents you might have been hut more than your vehicle’s damage. You should inform the insurance adjuster about the severity of the injury and make sure that he/she agrees that you need to be compensated for pain and suffering. You have to collect every bill for your medical treatment that you can use as proof to show to the adjuster. You should also collect every piece of evidence about your injuries. You can request your doctor make a detailed documentation of your injuries and treatments including the aches and pains. This official documentation is vital for your auto insurance claim for pain and suffering caused by an auto accident. This is because pain and suffering is only felt by the victim and are not visible to the naked eye.
For example if you had to visit a physiotherapist following the accident injuries, make sure to get a doctor’s certificate connecting your auto accident injury to the physiotherapy sessions and also the medications that were prescribed for the pain and wounds. If you can take photos of swelling in any part of your body including close ups to understand the extent of injury and suffering. These documents can establish a clear relation to the accident and the expenses for pain relief that can be claimed as compensation from the auto insurance policy. These documents are vital in getting you the best compensation as the pain and suffering compensation is based on your medical bills.
With all the documentation and proof in your hands you can discuss the cost or amount to quantify your pain and suffering due to the injuries due to auto accident. Apart from the bills for medical expenses on injuries as well as repairs to the vehicle you now can get the adjuster to agree with your claim for the pain and suffering and even lost wages if applicable.
You need some negotiation skills to get the adjuster to agree to what you demand as it is what you deserve. It is not easy and if you find it overwhelming, you can seek the help of a competent lawyer who is experienced in dealing with insurance adjusters.