Communication with Insurance Companies
It is very common for people to wait longer than they probably should to get a lawyer involved in their case. If you do not have an attorney, one of the most important things you can do is get everything in writing. I know it’s a joke for lawyers to tell you to get things in writing all the time, but it really can make a big difference in your case. I have people come to me with their case after they have talked to the insurance company about coverage or treatment, and I have to reconstruct what was said and done from the date of injury forward.
In cases where there have already been conversations between the insurance company and my client, I usually have to try and determine what was said during phone conversations with the adjuster or employer, which can be difficult and inconclusive. There are no witnesses to a phone conversation, so how do you determine what the insurance company has said? This means that if they promised you something or made a statement about your care that they do not follow through on, it is your word against theirs. Sometimes there is a compelling argument that can still be made and judges will still find for you, but it is much more difficult to do without a written record of the conversation. This means it is very important to use email as much as possible when you are talking with insurance adjusters or anyone else about your case.
Your emails can be used to ensure follow-through on promises your insurance company has made, but written communication can also increase the value of your case. Penalties can result from missed deadlines or gaps in communication with the insurance companies that caused you increased harm or pain and suffering. Once you have an attorney, they will be able to look through your conversation history to help make your case as strong as possible.
It is never too early to get a lawyer involved in your work comp case. If you have been injured at work, contact an attorney as soon as you are hurt. Most lawyers (myself included) will do a free consultation with you over the phone, by email, or in person to tell you what you can expect in your case. If you would like to talk to someone about your case, you can call me at 303-792-5595 or submit a request using the button on the right side of the page to have someone from our office contact you.
