Do not Turn Down Medical Attention, You May Regret it Later If You Do!!!
Follow your medical provider instructions. If you are not getting any better, get a second opinion. Do not let anyone tell you that you are imagining your pain or that the pain from your acident is due to arthritis, especially if you never experienced arthritis before. Soon after your medical treatment has stabilized, request your medical files from all your medical providers. If they provide them to you, ask for all bills paid on your behalf by your insurance company. Do not settle your case before your treatment is completed and you are discharged by your physician. If you are employed, then make sure that your physician writes absentee notes to your employer. Ask your employer how long will they wait for you before they replace you. Ask for a copy of your employee's handbook. If you return to work and you have limitations, make sure that your physician itemizes those in your return to work slip. If your employer tells you that he cannot provide accommodations, get a lawyer
Documents Needed to Prove your Pedestrian Case (Also applicable for Auto Accidents).
1) Police Report, 2) Medical Records (including X-rays, MRI's, Charts, Medical History, Test Results, Reports, Prescription and a list of all medicines), 3) Income Taxes: 2 years before and 1 year after the accident, 4) Bank Financial Statements for all those years. 5) Payroll checks if you have a job. 6) Income Statements, if you are self employed. 7) Your Car Insuranc Policy, or that of your parents, if you are a minor. 8) pictures of the place of the accident and of your injuries, 9) All correspondence with the other driver's insurance company. 10) Driver license and insurance policy of the driver that hit you, including the names of all witnesses at the scene of the accident.
The odds are very high nowadays, that if you are involved in an accident, the other driver will have the minimum coverage or not sufficient insurance to cover your losses. If that is your case, do not forget to look into your own auto insurance as a potential recovery. Some people prefer to pay insurance to cover their personal effects, but tend to decline the uninsured/underinsured coverage provided by their auto insurance agent. For instance, if your spouse gets hit by a driver with a $15k/30k auto insurance policy, and causes her medical bills of $56,000.00. Assume you are unable to pay those medical bills, you may then be facing bankruptcy. However, if you had a $100k/300K uninsured/underinsured bodily injury coverage, with a $50k/100k med coverage, your wife could request arbitration for her personal injury claim and make a request to her medpay coverage to pay the medical bills owed. You would protect your loved ones, and get peace of mind at a reasonable price.
DO NOT SETTLE YOUR UNINSURED/UNDERINSURED CASE WITHOUT THE APPROVAL OF YOUR OWN INSURANCE COMPANY!!
In case you want to settle with the insurance company of the driver that hit your wife, these are the steps you must follow:
1) YOU MUST SETTLE FOR THE FULL POLICY LIMITS.
2) YOU MUST ASK FOR A CERTIFIED COPY OF THE DRIVER'S INSURANCE POLICY.
3) YOU MUST REQUEST A LETTER FROM THE DRIVER, THROUGH HIS INSURANCE COMPANY, CERTIFYING HE DOES NOT HAVE ANY OTHER POLICY UPON WHICH YOU COULD RECOVER (UMBRELLA POLICY.EXCESS LIABILITY, ETC.)
4)SUBMIT THIS INFORMATION TO YOUR OWN INSURANCE COMPANY AND ASK THEM TO GIVE YOU PERMISSION TO SETTLE THE CASE.
5) ONCE YOU HAVE THAT PERMISSION, FILE AN ARBITRATION CLAIM AND REQUEST ALL YOUR DAMAGES.