Nowadays, every employer provides workers compensation insurance to their employees in case of accidents or bad health conditions during job. Therefore, if employee suffers accidents during working hours he is eligible to file claim for compensation insurance legally.
The accident compensation claim offered by the employer includes compensation for medical negligence, vehicle accident during working hours, industrial illness, food poisoning, travelling, dog bite, Tinnitus and Whiplash injury. Employees can claim for accident compensation by themselves or thorough attorneys after accident occurred. However, the first condition in this regard is that the accident should be caused by the other party. Accident should be caused by person of 18 years of age or more.
Claim time period
People can claim for accident compensation within three years time period after accident, if they are not in condition to file claim immediately. Accident compensation is applicable if a person has lost significant amount of their salary due to the accident and can affect their life style and standard of living. However, if the accident is caused by self negligence, then person is not viable to claim accident compensation.
Employees can hire claims solicitors to file their case as such solicitors can help them to complete their document and provide them solution for your inquiries. However, it is important to hire right solicitor for this job. You should hire a person who has experience and expertise in this field. The solicitor you hire should be able to process your compensation case to successful point. The authentic solicitor will make it sure that his client will receive complete compensation claim without asking for any commission.
Why you need an insurance adjuster?
However, if you want to claim your accident compensation at your own you have to deal with insurance adjuster at initial point. The job of insurance adjuster is to take responsibility of your claim until your recovery. This person will remain in contact with you throughout the whole process. But, people should also consider the fact that the insurance adjuster is employee of insurance companies thus, they may not provide you enough information on your rights for your claim. Therefore, you should be well acquainted by all rules and right of your insurance policy so that you can claim them in proper manner.
It is your responsibility to work with an insurance adjuster such that he will be able to get you what your right is. This is something which should be done with respect and cooperation. After filing your accident compensation claim your insurance adjuster will inform you the status of your application. In case of denial, acceptance or further processing, adjuster will keep you informed at every point. Therefore, it is important for you to tell the whole truth to your adjuster as this will avoid any ambiguity between you and insurance company.
When claim is filed from policy holder it is the job of insurance company to authenticate the claim in every possible manner. As insurance companies suffered large number of fraud claims in this matter therefore, they take every measure to validate your claim. After your claim is validated compensation is provided to the policy holder on weekly basis or in some cases twice a week. The compensation offered by the insurance company depends upon premium of insurance policy.