Personal Injury Claims Process in Mississippi

Personal Injury Insurance in Mississippi

In the case of a personal injury in Mississippi, you should take some steps before filing an insurance claim. You should understand how Mississippi handles different types of personal injury claims. There are three types of premises liability claims recognized in the state: product liability, negligence and premises liability. To receive the full and fair compensation you deserve, you need to know what type of claim applies to your situation.

Personal Injury Insurance in Mississippi

In the case of an injury, there are different types and severity levels of claims, but all can cause significant financial damage. Medical bills, lost wages, and emotional distress are common problems for Mississippi residents who are injured in an accident or incident. Mississippi insurance policies cover a wide range of injuries.

Insurance for Automobiles

PIP coverage is provided by Mississippi auto insurance policies and covers the insured’s medical expenses as a result of a car accident regardless of fault. In the event of death resulting from the accident, PIP coverage may also cover funeral expenses. Uninsured and underinsured motorist coverage is also an option if you own your vehicle outright. UM/UIM covers financial losses that you may incur when another party does not have insurance or is underinsured in an accident.

Insurance for Homeowners

Personal liability coverage is typically included in Mississippi homeowners policies, which protects you from bodily injury and property damage. Aside from covering medical bills, lost wages, court fees, and even punitive damages in some cases, this coverage may also pay for court costs. Workers’ compensation insurance is also carried by many Mississippi employers. Your employer will provide you with medical care and a portion of your earnings if you suffer an injury while working and the policy is in place.

Getting in Touch With Your Insurance Company

Start the claim filing process immediately by reporting the incident to your insurance company. Upon reviewing your claim, your insurance company will schedule an inspection of the property, case, or product where the injury occurred. In accordance with the coverage of your policy, an adjuster assigned to your case will assess the damage and determine your eligibility for compensation.

You may need to sign a release form before receiving payment from the insurance company if you receive a satisfactory offer. Once you have signed off on the settlement, you cannot ask for more money if you don’t agree with the terms or amount being offered. Contact a personal injury attorney if you have any questions regarding the terms, in a failure to pay or amount being offered during this process. Record every communication and correspondence you have with your insurance carrier.

Calling an Injury Attorney Is a Good Idea

To obtain professional guidance regarding filing an insurance claim in Mississippi or resolving a dispute with your insurer, speak with an injury attorney who is qualified to handle such cases.  In order to protect your rights and obtain maximum compensation from the insurance company, they will assess your situation and determine whether their services are necessary. Insurance claims should always be handled by a qualified professional. You can protect your rights throughout the Mississippi insurance claims process by working with an experienced attorney.

The Diaz Law Firm: Personal Injury Lawyers

The Diaz Law Firm offers a free case review to those who have been harmed by another’s negligence. We also help with insurance claims that have been denied or don’t provide enough to cover your losses. If you need assistance, you can reach us at (601) 607-3456 or (800) 459-2222. You can also contact us online.