Bodily Injury Claim
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UPDATED: Sep 10, 2010
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Insurance Question from Alameda, CA
Asked on 09/10/2010
Bodily Injury Claim I was recently involved in a car accident and now I want to file a bodily injury claim with the driver's insurance company (Geico) because I've received a neck injury from that accident. What supporting docs should I provide them to ensure that I get the settlement I deserve?
Answer given on September 11, 2010
You’re going to need to keep all your EOB’s and receipts for everything medically related to your injury. Ambulance, hospital, doctors office, pharmacy, physical therapy, x-rays, lab diagnostics, you name it. Also, if you miss any work, keep track of that also ( lost wages ). If you aren’t sure if something is related, keep the receipt anyway.
There’s a lot to be said for “pain and suffering”… if you are truly injured. You could even have long term effects from your injury that aren’t even noticeable yet. From my experience working as an investigator for an attorney, he would typically add up all of your expenses, multiply it by 10, and start negotiations from there. Depending on the severity of the accident and your injury, it could be more, could be less. Your mileage may vary.
In summary, keep track of everything you spend if it’s at all related to the treatment of your injury from this accident. Keep track of ALL expenses and lost wages, etc. This will all go into the file that your attorney uses to put together a case on your behalf.
Keep in mind, that any money you get will likely be subject to subrogation from your insurance ( if you have any ). They’ll want to be reimbursed for money they spent on your behalf that was someone else’s fault if you collect on a judgement against the defendant.
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