Insurance Companies Share Information on Every Claim
Insurance companies track all claims against any insurance company. If you have a pre-existing medical condition, no matter what insurance company dealt with it, how old it is, or even if it was paid, the condition will be revealed.
To help your case, let your attorneys know about any injuries, addictions, or medical problems before and after your crash. Good cases are lost because the insurance company argues that the injuries were caused by the injured person concealing an earlier or later injury or medical problem.
Keep Your Own Records for All of Your Medical Bills, Out-of-Pocket Expenses, and Lost Income.
Medical and other expenses and lost wages are an important part of the value of a personal injury case, so good records of these expenses must be kept at all times. Retain all bills and receipts of payment which relate to your claim, including:
- Medical expenses
- Hospital expenses
- Drugs and medicines
- Home health care or aides
Take Notes. Lots of Them.
Subject to your attorney's approval, keep a daily record of experiences — both physical and emotional — after the incident, even if they seem mundane and ordinary. For instance, describe the changes in work life, your play life, and life as a family member. This will help to show how life has changed as a result of the incident.
Don't Talk. Don't Sign.
You should not discuss your case with anyone — and that includes employers, coworkers, distant relatives, neighbors, the individual or company at fault, and even friends. And definitely not the other party, their attorneys, or insurance company. Conversations may be recorded and used against you. Talk only to your attorney or immediate, trusted family.
Do not sign any documents without your attorney's consent except for the police report. If you get any letters from anyone in connection with your case, mail or fax them to your attorney immediately. Keep a copy.
Remember at all times that you may be under surveillance and subject to being photographed or filmed by the adverse party.
Don't Throw Anything Away — It Might Be Important.
Be certain to keep anything that might be used as evidence in your case, such as shoes, clothing, glasses, photographs, defective machinery, defective parts, or foreign substances which may have been a factor in the incident that caused your injury.
Take photographs of all motor vehicles, machinery, appliances, etc., that may be connected — directly or indirectly — with your accident.
Learn more about dealing with insurance companies that aren't playing fair.