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Over 90% of the personal injury claims in Ontario never reach the court room. The reason for that is quite obvious – people don’t want to waste years in court battles and insurance companies don’t want to run the risk of reaching a ruling that’s not in their favor. So, in the most cases, both parties would compromise in a sense to reach a mutually beneficial agreement. Whether or not this is beneficial for you is a situational point and there are things to be considered but for the most parts it is going to be.
With this in mind, it’s important to be well aware of what happens once you’ve filed your injury claim with your insurance company. The first thing that you need to know is that if you haven’t filed a lawsuit and if the adjuster hasn’t got all the necessary facts to make a reasonable suggestion, the latter is going to send in an offer which is going to be a particularly low one. The adjuster is just not going to be settling the case if he feels like he doesn’t have the full picture. However, you need to understand the process of investigating your claim and the determining of the facts in order to know the whole story.
Investigating your claim
The first thing that the adjuster is going to do is understand the claim of the insured and get as much information from him about the accident. You are the insured – make sure that you present him with as many details as it is necessary as well as all the relevant documentation. Furthermore, he is going to conduct a questioning of all those involved in the accident so that he can have a clear statement.
After that, he’s going to start taking a closer look at the police reports as well as all other sorts of reports which are connected to the case in some way. He’s going to take into account the facts stated in the medical records of the injured parties in order to make an informed proposition.
Analyzing the facts
After the adjuster has gone through all of the necessary information, he’s going to structure and organize it so that he can properly analyze the facts. This is essential for him to make a proper offer for settling the case. By accounting for all the variables, the insurer is going to be able to make a comprehensive proposition which is going to be viable and reasonable. Of course, you shouldn’t expect something off the charts as the initial offer is going to be considerably lower. That’s why you need to have yourself prepared for fierce negotiation. Additionally, when you seek the services of a personal injury lawyer in Barrie or Orillia, they can represent your interests with the insurance company. This will help you get a better negotiating platform for ensuring that the compensation is maximized.