If you have been injured on the job, there are a few things you should know about dealing with your employer’s insurance company.
If you have recently been injured on the job and need a workers compensation lawyer – or if you just want to make sure you know what to do in case of a workplace injury – you’re in the right place.
In this article, we’ll discuss what you should do to interact properly with your employer’s insurance company and adjusters after an injury. Here’s what you need to know.
1. Report Your Injury Immediately
By law, you have to report your injury within 30 days to be eligible for compensation. You should report the injury to your employer and their insurer as soon as you get it, to ensure that they are aware of your injury, and its potential effects on you.
2. Keep Medical Records
You should keep detailed medical records detailing the treatments you have received, as well as the costs of therapy, medicines, surgical procedures, and more. This kind of documentation is very useful as evidence, and for proving the disability and injury that you have experienced.
3. Keep a Log of All Communications
Log and record all calls and communications between you and your employer’s insurance adjusters. Doing so is the best way to ensure that you can reference particular conversations or promises made by an adjuster in a court of law, or if you are pursuing a higher settlement.
Make notes about your conversations, and consider asking the insurer if you can record the phone calls or conversations that you have.
4. Never Admit Any Kind of Fault
Do not admit fault to the insurance adjuster, or anyone else who interviews you about your accident. You must be truthful, but you are under no obligation to incriminate yourself. If you admit fault, the insurer may try to say that you were negligent on the job – and deny your claim.
5. Hire a Lawyer If You Suspect You Aren’t Getting What You Deserve
The insurance company may voluntarily pay your claim if it’s simple or clear-cut, but in many cases, they will reduce or deny your benefits, make you a bad settlement offer, or simply ignore you.
If this happens, you should speak with a qualified Missouri work injury lawyer right away. Your attorney can help you file a claim and get additional compensation, or even take your case to trial if your claim is denied.
Follow This Tips For Dealing With Insurance Adjusters – Get What You Deserve
Whenever you are in doubt about how to interact with an insurance adjuster from your employer’s insurance company, we recommend consulting with an experienced workers compensation attorney.
By doing so, you can make sure you do not make any common mistakes – and that you get all of the compensation that you deserve for your injury.