Recently we’ve found out that many people are looking for answers to some of the most frequently asked questions about personal injuries and liability insurance. We answered some of the most common questions in our previous post, but there are still many basic questions to answer. That’s why we decided to write another post with more answers to common questions. Here they are:
1. I was offered a settlement. Should I take it?
If the insurance company of the person responsible for your injury offered you a settlement very soon after the accident, it won’t be a fair settlement. You still don’t know how severe your injuries are (sometimes you’ll feel the effects of the injury a few weeks after the accident). Talk with your lawyer, find out how much you should get in compensation and let your lawyer present this offer to the insurance company.
2. How long does it take to settle a personal injury claim?
Some personal injury claims take several months while some claims take up to several years. Generally speaking, it’s better to settle with the insurance company than go to the court and wait another year or two before you get compensation for your injuries.
3. What type of insurance should I get as a health care provider?
Ask your insurance agent about professional indemnity insurance, also known as medical malpractice insurance for health care providers. Please keep in mind that you should always have this type of insurance policy as a health care provider – no matter if you’re a physician, surgeon, dentist, nurse or a therapist.
4. How to deal with the insurance company when pursuing a personal injury claim?
It’s best to let your lawyer talk with them. Don’t agree to a recorded statement and don’t confess or admit anything – all can be used against you later in court.