Personal Injury Process for Insurance Claims
If you have suffered a personal injury in Mississippi and are considering filing an insurance claim, there are a few steps you should take. It’s important to understand the different types of personal injury claims available in Mississippi. The state recognizes three main categories: premises liability, product liability and negligence claims. Knowing which type of claim applies to your situation is essential for ensuring that you receive the full and fair compensation you deserve.
Mississippi Insurance That Covers Personal Injury Claims
Personal injury claims vary in type and severity, but all can have devastating financial consequences. Mississippi residents who are injured in an accident or incident often face mounting medical bills, lost wages due to an inability to work, and emotional distress. Fortunately, many injuries qualify for coverage under Mississippi insurance policies.
Mississippi auto insurance policies include personal injury protection (PIP) coverage which covers the insured individual’s medical costs resulting from a car accident regardless of fault. This PIP coverage may also extend to funeral expenses in the event of death due to the accident. Additionally, if you own your vehicle outright, you can purchase optional uninsured and underinsured motorist coverage (UM/UIM). This UM/UIM coverage protects you from financial losses if the other party involved in an accident does not have insurance or is underinsured.
Homeowners policies issued in Mississippi typically include personal liability coverage, which provides protection for bodily injury and damage to your property that you may be held responsible for. This coverage can help cover the costs of medical bills, lost wages, court fees, and even punitive damages in some cases. Additionally, many Mississippi employers carry worker’s compensation insurance to cover workplace injuries. If you suffer an injury while working and your employer has this type of policy in place, it will provide you with medical care as well as part of your earnings while you recover.
Contacting the Insurance Company
Contact your insurance company immediately to report the incident and begin the process of filing a claim. Be prepared to provide detailed information about what happened, as well as any medical records or other supporting documents associated with your accident or injury. Once your insurance company has reviewed your claim, they will schedule an inspection of the property or product that caused your injury. The adjuster assigned to your case will assess damage and determine if you are eligible for compensation based on policy coverage.
If the Offer Doesn’t Cover Your Losses, Call an Injury Lawyer
If you receive a satisfactory offer from the insurance company, you may be asked to sign a release form before receiving payment. If at any time during this process you feel uncertain about the terms of the settlement or the amount being offered, consult with an experienced personal injury attorney who can ensure that all of your rights are protected. Keep records of all communications and correspondence between you and your insurance carrier throughout the claims process in Mississippi. This will help protect your rights if there is ever a dispute over the outcome of your case.
Why You Should Call an Injury Attorney
If you have questions about filing an insurance claim in Mississippi or need help resolving an existing dispute with your insurer, contact a qualified personal injury attorney who can provide professional guidance. They will evaluate your situation and assess whether their services are necessary to protect your rights and obtain maximum compensation from the insurance company. You should never attempt to handle an insurance claim without the help of a qualified professional. By working with an experienced attorney, you can ensure that your rights are protected throughout the insurance claims process in Mississippi.
The Diaz Law Firm
At The Diaz Law Firm, we offer a free case review for clients who have been injured by an at-fault driver or another entity so that we can discuss their options moving forward. Contact us immediately for a free consultation regarding your accident injury, or schedule a consultation today. Please feel free to call us at (601) 607-3456 or (800) 459-2222 if you have any questions. You can reach us online if that is more convenient for you.