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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 September 20, 2018

How to Stay Calm and Cool When You Are Extremely Stressful

How to Stay Calm and Cool When You Are Extremely Stressful

Being in a hurry all the time drains your energy. Your work and routine life make you feel overwhelmed. Getting caught up in things beyond your control stresses you out…

If you’d like to stay calm and cool in stressful situations, put the following 8 steps into practice:

1. Breathe

The next time you’re faced with a stressful situation that makes you want to hurry, stop what you’re doing for one minute and perform the following steps:

  • Take five deep breaths in and out (your belly should come forward with each inhale).
  • Imagine all that stress leaving your body with each exhale.
  • Smile. Fake it if you have to. It’s pretty hard to stay grumpy with a goofy grin on your face.

Feel free to repeat the above steps every few hours at work or home if you need to.

2. Loosen up

After your breathing session, perform a quick body scan to identify any areas that are tight or tense. Clenched jaw? Rounded shoulders? Anything else that isn’t at ease?

Gently touch or massage any of your body parts that are under tension to encourage total relaxation. It might help to imagine you’re in a place that calms you: a beach, hot tub, or nature trail, for example.

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3. Chew slowly

Slow down at the dinner table if you want to learn to be patient and lose weight. Shoveling your food down as fast as you can is a surefire way to eat more than you need to (and find yourself with a bellyache).

Be a mindful eater who pays attention to the taste, texture, and aroma of every dish. Chew slowly while you try to guess all of the ingredients that were used to prepare your dish.

Chewing slowly will also reduce those dreadful late-night cravings that sneak up on you after work.

4. Let go

Cliche as it sounds, it’s very effective.

The thing that seems like the end of the world right now?

It’s not. Promise.

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Stressing and worrying about the situation you’re in won’t do any good because you’re already in it, so just let it go.

Letting go isn’t easy, so here’s a guide to help you:

21 Things To Do When You Find It Hard To Let Go

5. Enjoy the journey

Focusing on the end result can quickly become exhausting. Chasing a bold, audacious goal that’s going to require a lot of time and patience? Split it into several mini-goals so you’ll have several causes for celebration.

Stop focusing on the negative thoughts. Giving yourself consistent positive feedback will help you grow patience, stay encouraged, and find more joy in the process of achieving your goals.

6. Look at the big picture

The next time you find your stress level skyrocketing, take a deep breath, and ask yourself:

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Will this matter to me…

  • Next week?
  • Next month?
  • Next year?
  • In 10 years?

Hint: No, it won’t.

I bet most of the stuff that stresses you wouldn’t matter the next week, maybe not even the next day.

Stop agonizing over things you can’t control because you’re only hurting yourself.

7. Stop demanding perfection of yourself

You’re not perfect and that’s okay. Show me a person who claims to be perfect and I’ll show you a dirty liar.

Demanding perfection of yourself (or anybody else) will only stress you out because it just isn’t possible.

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8. Practice patience every day

Below are a few easy ways you can practice patience every day, increasing your ability to remain calm and cool in times of stress:

  • The next time you go to the grocery store, get in the longest line.
  • Instead of going through the drive-thru at your bank, go inside.
  • Take a long walk through a secluded park or trail.

Final thoughts

Staying calm in stressful situations is possible, all you need is some daily practice.

Taking deep breaths and eat mindfully are some simple ways to train your brain to be more patient. But changing the way you think of a situation and staying positive are most important in keeping cool whenever you feel overwhelmed and stressful.

Featured photo credit: Brooke Cagle via unsplash.com

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