Insurance companies are out to make money and they don't fancy giving off claims more than they have to. Once you're hurt in the job, you are entitled to a compensation until you can resume working. However, some of these companies will do their best to ensure that you get as little of your claim as possible. If you want to avoid these headaches, give good evidence. Here are some major tips to help you get your claim.
Don't Wait Long to Report
Report the accident immediately after it occurs. Waiting for a long period of time gives the worker's compensation insurers a loophole to deny your compensation. Reporting your injuries immediately also complies with the state workers laws and will give you a better chance at getting your full claim. If you need to see a doctor, also do it fast. Failing to get medical treatment will hurt your case, and the insurers may argue that you weren't hurt so much.
Get Witnesses
You may want to figure out who is with you when you get hurt and get their names. Witnesses can help you prove that you were hurt at work and not anywhere else. This is particularly important in the close case.
Be Accurate in Your Description
The first report of the accident holds great weight and insurers really hang onto it. Ensure you are detailed enough and accurate about what happened. Insurance companies use the medical records and can deny your claim if these records don't clearly describe your accident. This means you've got to be careful when explaining it to your doctor. You can keep it simple, but make sure the explanation is in line with your injury. Also remember to mention that it happened at work.
Fill the Accident Reports Accurately
In most cases, employees are required to fill out accident reports when they get injured. When filling them out, give the exact details and make them as accurate and complete as possible. It's best not to sign such forms when under medication or if you're really injured. You can wait till you get better and fill them out when you are fully focused. Remember that you need to be consistent, what you reported and what you write need to match up.
Consider Getting a Lawyer
If the complications get overwhelming, you can get help. Compensation lawyers (like those at Bell Lawyers) know how to handle such cases and their experience will guide you better on what steps to take.
Share26 February 2015
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