1. Before you speak to your insurer, do your homework.
Be ready to explain the reason for your injury claim and make specific points showing the value of your claim, including pain and suffering.
2. Document everything.
Keep every medical bill and receipts for prescription drugs, other medical expenses (bandages, braces), repair estimates, and even your mileage driving to and from appointments. Other personal injury claim costs include:
- Future medical expenses
- Property damage
- Car rental
- Hospital deductible
- Chiropractic care
- Pain and suffering
- Lost wages
Subrogation is your health insurance company’s right to seek reimbursement for payments they made when another party is liable for the expenses.
3. Decide the minimum you'll accept and stick to your guns.
You'll need to be patient because the insurance company has many deny, dispute, and delay tactics. They're counting on you getting frustrated and settling for less than what you're entitled to.
Accepting a first settlement offer just to get some money can be tempting when the bills are piling up. But years from now when your back starts acting up again, you may regret signing away your right to further compensation for pain and suffering.
4. Keep good communication records.
Follow up phone conversations with a short email confirming statements and promises made by the insurance rep. Keep a written record of your actions by communicating by letter or email with your insurer during the claim process. You may need to defend the timeliness or accuracy of your submissions, and if you do you'll have the evidence.