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What to Expect in a Personal Injury Claim

What to Expect in a Personal Injury Claim

Getting hurt is nothing to take lightly. Every year, millions of people get into accidents, either at home or at work. Generally, however, despite this high number of hurt people, what to do is sometimes a mystery. There’s a lot to deal with, from insurance companies to lawyers, especially if the accident or injury came at the fault of another person. Luckily, filing a personal injury claim isn’t something you’ll have to do alone. Below are some helpful tips on what to expect when dealing with a personal injury claim:

Getting a Solicitor or Lawyer

Immediately following an accident and before you can actually file a claim, you’ll need a legal professional. Your solicitor will be the person to contact the person or company responsible for your injury. They will list the damage to you and how it happened.[1] The solicitor will also let you know how much your claim is worth in terms of money. Whether you choose to accept the first number or want to negotiate, it’s your solicitor who will actually do this.

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He/she will be your guide throughout this entire process. They will tell you whether or not your claim is worth more than what the insurance company is offering. They will also advise you on whether or not you should push for an actual trial, especially if the defending party refuses to claim responsibility for your injury.

An Investigation

Anyone can make a claim but it needs to be supported with facts. Your solicitor/lawyer will step in and be the only source of communication between you and the insurance companies. If the police were called at the time of the accident, there will be a report listing all parties involved and a general summary of what happened and where. Depending on how severe the incident was, your lawyer will spend a few months gathering more details or interviewing witnesses. All of this will verify and strengthen your claim.

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(Optional) Medical Treatment

If it’s necessary, you will be directed to a medical office that specializes in injury recovery. Your level of injury (from minor to extreme) will also influence how much the insurance company will pay you. If you prefer to use your own health network, you can request specialist recommendations from your doctor. The medical reports and treatments, including prescription medications, will be added to the file to further bolster your case.

Settlement Options

Once you’ve received a medical evaluation and your lawyer has determined your total damages (to you personally and any of your belongings), you will receive an offer from the insurance company. The settlement value is calculated using your medical expenses, who’s at fault, and the cost of replacing what you lost.

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A well-trained and successful pianist was awarded over $2 million when an injury from a crash ended his career.[2] His settlement was a combination of actual physical injury and the future loss of income. Your solicitor will make sure your case takes all factors into consideration.

(Optional) Pre-Trial Conference

While not an absolutely vital part of a personal injury claim, this step happens when a settlement cannot be agreed upon. There will be a meeting between the lawyers involved and a presiding judge to determine the issues of the claim and once again, try to reach a settlement.

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There will be a written document outlining the following: the evidence in the case, why you are entitled to receive damages, and why the defending party is responsible for proving those damages. Generally, this is the last step in a personal injury claim, as negotiations and settlement amounts are finalized.

Collecting Your Money

Depending on the success of your case, you will win a monetary amount and the defendant pays the court’s amount. However, sometimes there are complications. Your lawyer will let you know about the methods for collection. The majority will be paid, but sometimes you’ll need to garnish personal or company wages.

(Optional) Appeal

If you did not win your case (or the defendant refuses to accept the decision), there will be an appeal filed. An appeal will basically restart this process. This step will also increase the number of judges who hear the case, as they try to determine a different or similar outcome.

Featured photo credit: stevepb via pixabay.com

Reference

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Last Updated on January 21, 2020

The Best Way to Create a Vision for the Life You Want

The Best Way to Create a Vision for the Life You Want

Creating a vision for your life might seem like a frivolous, fantastical waste of time, but it’s not: creating a compelling vision of the life you want is actually one of the most effective strategies for achieving the life of your dreams. Perhaps the best way to look at the concept of a life vision is as a compass to help guide you to take the best actions and make the right choices that help propel you toward your best life.

your vision of where or who you want to be is the greatest asset you have

    Why You Need a Vision

    Experts and life success stories support the idea that with a vision in mind, you are more likely to succeed far beyond what you could otherwise achieve without a clear vision. Think of crafting your life vision as mapping a path to your personal and professional dreams. Life satisfaction and personal happiness are within reach. The harsh reality is that if you don’t develop your own vision, you’ll allow other people and circumstances to direct the course of your life.

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    How to Create Your Life Vision

    Don’t expect a clear and well-defined vision overnight—envisioning your life and determining the course you will follow requires time, and reflection. You need to cultivate vision and perspective, and you also need to apply logic and planning for the practical application of your vision. Your best vision blossoms from your dreams, hopes, and aspirations. It will resonate with your values and ideals, and will generate energy and enthusiasm to help strengthen your commitment to explore the possibilities of your life.

    What Do You Want?

    The question sounds deceptively simple, but it’s often the most difficult to answer. Allowing yourself to explore your deepest desires can be very frightening. You may also not think you have the time to consider something as fanciful as what you want out of life, but it’s important to remind yourself that a life of fulfillment does not usually happen by chance, but by design.

    It’s helpful to ask some thought-provoking questions to help you discover the possibilities of what you want out of life. Consider every aspect of your life, personal and professional, tangible and intangible. Contemplate all the important areas, family and friends, career and success, health and quality of life, spiritual connection and personal growth, and don’t forget about fun and enjoyment.

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    Some tips to guide you:

    • Remember to ask why you want certain things
    • Think about what you want, not on what you don’t want.
    • Give yourself permission to dream.
    • Be creative. Consider ideas that you never thought possible.
    • Focus on your wishes, not what others expect of you.

    Some questions to start your exploration:

    • What really matters to you in life? Not what should matter, what does matter.
    • What would you like to have more of in your life?
    • Set aside money for a moment; what do you want in your career?
    • What are your secret passions and dreams?
    • What would bring more joy and happiness into your life?
    • What do you want your relationships to be like?
    • What qualities would you like to develop?
    • What are your values? What issues do you care about?
    • What are your talents? What’s special about you?
    • What would you most like to accomplish?
    • What would legacy would you like to leave behind?

    It may be helpful to write your thoughts down in a journal or creative vision board if you’re the creative type. Add your own questions, and ask others what they want out of life. Relax and make this exercise fun. You may want to set your answers aside for a while and come back to them later to see if any have changed or if you have anything to add.

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    What Would Your Best Life Look Like?

    Describe your ideal life in detail. Allow yourself to dream and imagine, and create a vivid picture. If you can’t visualize a picture, focus on how your best life would feel. If you find it difficult to envision your life 20 or 30 years from now, start with five years—even a few years into the future will give you a place to start. What you see may surprise you. Set aside preconceived notions. This is your chance to dream and fantasize.

    A few prompts to get you started:

    • What will you have accomplished already?
    • How will you feel about yourself?
    • What kind of people are in your life? How do you feel about them?
    • What does your ideal day look like?
    • Where are you? Where do you live? Think specifics, what city, state, or country, type of community, house or an apartment, style and atmosphere.
    • What would you be doing?
    • Are you with another person, a group of people, or are you by yourself?
    • How are you dressed?
    • What’s your state of mind? Happy or sad? Contented or frustrated?
    • What does your physical body look like? How do you feel about that?
    • Does your best life make you smile and make your heart sing? If it doesn’t, dig deeper, dream bigger.

    It’s important to focus on the result, or at least a way-point in your life. Don’t think about the process for getting there yet—that’s the next stepGive yourself permission to revisit this vision every day, even if only for a few minutes. Keep your vision alive and in the front of your mind.

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    Plan Backwards

    It may sound counter-intuitive to plan backwards rather than forwards, but when you’re planning your life from the end result, it’s often more useful to consider the last step and work your way back to the first. This is actually a valuable and practical strategy for making your vision a reality.

    • What’s the last thing that would’ve had to happen to achieve your best life?
    • What’s the most important choice you would’ve had to make?
    • What would you have needed to learn along the way?
    • What important actions would you have had to take?
    • What beliefs would you have needed to change?
    • What habits or behaviors would you have had to cultivate?
    • What type of support would you have had to enlist?
    • How long will it have taken you to realize your best life?
    • What steps or milestones would you have needed to reach along the way?

    Now it’s time to think about your first step, and the next step after that. Ponder the gap between where you are now and where you want to be in the future. It may seem impossible, but it’s quite achievable if you take it step-by-step.

    It’s important to revisit this vision from time to time. Don’t be surprised if your answers to the questions, your technicolor vision, and the resulting plans change. That can actually be a very good thing; as you change in unforeseeable ways, the best life you envision will change as well. For now, it’s important to use the process, create your vision, and take the first step towards making that vision a reality.

    Featured photo credit: Matt Noble via unsplash.com

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