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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

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Last Updated on November 20, 2020

Kickstart Your Morning Workout With These 10 Simple Habits

Kickstart Your Morning Workout With These 10 Simple Habits

Benjamin Franklin said it like this: “Early to bed, early to rise, will make a man healthy, wealthy, and wise.” He knew from his own experiences and watching others that the ones who got up early were healthier and more successful. That’s why a morning workout can be so important.

One 2017 study found that:[1]

“after controlling for such factors as age, sex, smoking habits, and others…night owls, were found to have a 10 percent greater risk of dying from any cause compared to morning types.”

This is a great reason to tap into some morning motivation and get your morning workout done.

Circadian Rhythm for morning workout

    As you can see in the above graph, your blood pressure begins to rise between 6 and 7 in the morning[2]. That means this is a great time to get your body moving and your heart pumping, even if it’s just for 20 minutes of exercise in the morning. 

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    Here are some tips on how to find the motivation for a morning workout.

    1. Remember Your Why

    It starts with remembering why you want to get up for a morning workout. If you don’t set a goal and establish your reasons for accomplishing a health and fitness goal, then you definitely won’t get up early.

    Getting up early isn’t easy. If it were, everyone would do it, right? Your goal for your health and fitness must be so strong, and the WHY behind it must be so powerful, that nothing will stop you from accomplishing that goal.

    2. Go to Bed Early

    If you want to get up early for a morning workout, it’s going to be important to get to bed earlier. Falling asleep at midnight and trying to get up at six just won’t work in your favor.

    This will likely be very difficult for a few days while you adjust your sleeping habits. However, as you get into an exercise routine in the morning, this will naturally make it easier to fall asleep earlier and faster at night.

    3. Make a Commitment

    I sometimes tell my Facebook community of my plans to work out, and we all keep each other motivated by posting our runs, our workouts, etc. This is a way to develop accountability. By publicly announcing your intentions, you increase your chances of actually carrying out your plans.

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    Another way to do this is to find an accountability partner who has similar goals for morning workouts. You can check in with each other to make sure you’re sticking to your plans. If that doesn’t work, hire a personal trainer for a few weeks to get you started.  

    You can learn how to find a good accountability partner here.

    4. Find a Friend

    If you can find a friend that is motivated like you are, and you can hold each other accountable daily to working out, then you will accomplish your fitness goals. Many people prefer working out with friends to working out alone. Whether it’s a chat while hitting the treadmill at the gym, or having someone to spot you while weightlifting, working out with friends is sometimes just more enjoyable.

    Texting each other the night before with a simple statement is best. Don’t ask: “Are we still working out in the morning?” With this kind of question, if they were thinking about not working out, you just gave them an opt out.

    Make a statement instead: “Can’t wait to see you in the morning!” This implies that they will be there, and they will feel more obligated to show up.

    5. Treat Yourself

    We all have to treat ourselves every now and then. After a morning workout, plan to treat yourself with a colorful, healthy breakfast or a delicious morning smoothie. This will help you look forward to something and push through to the end of your workout.

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    You can learn more on rewards and punishments here.

    6. Change your Mindset

    Many people throw away the idea of a morning workout by simply saying, “I’m not a morning person.”  Instead of using this excuse, decide to try to become a morning person by shifting your mindset.

    When you look into the benefits of waking up early and getting some exercise in before your day starts, you’ll feel more positive about your life overall.

    7. Plan Your Day

    You know you’re going to be busy. Try time blocking to plan all the things you need to do on a given day, and make sure you add in your morning workout[3]. If you have a plan laid out, you’ll be more likely to follow it and get done everything on your list done.

    Time blocking

      8. Reflect on How You’ll Feel After

      Starting a morning workout is hard, but visualizing how you’ll feel after can help you find motivation. Think about the extra energy you’ll have and how proud you’ll feel knowing that you were already so productive. No matter what you do the rest of the day, at least you squeezed in your exercise!

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      For me, I live in an area where there are a lot of runners. When I am heading home in the evening or sitting out on the patio at one of my favorite restaurants, and I see the runners go by, it makes me feel so accomplished that I got mine in that morning and I can enjoy the evening.

      9. Lay out Your Workout Clothes

      Setting out your workout clothes the night before makes it impossible for you to start to run late because you couldn’t find something to wear. Tap into the determination you have before bed in order to convince your less-than-motivated morning self that you need to get up and get your morning workout in. When you wake up and see your outfit laid out next to you, it’ll push you to get up and get moving.

      10.  Set Multiple Alarms

      Many people miss their morning workout simply because they hit the snooze button so many times. In order to make this more difficult for yourself, set a series of alarms. That way, if you keep hitting snooze, you’ll have three or four alarms going off every ten minutes, which will be annoying enough to get you out of bed.

      Also, put one alarm at least a few feet from your bed so that you’re forced to get up to turn it off.

      Final Thoughts

      About three years ago I went from being the person that says I will never be an early riser to a person that loves to get the day started as soon as possible. Without the distractions that begin to come around 8 or 9 in the morning, you’ll find that you’re more productive and more likely to squeeze in that morning workout.

      Take some of the actions above and find the best morning workout routine to start your day and feel good.

      More Tips on Morning Exercises

      Featured photo credit: Tomasz Woźniak via unsplash.com

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