Bodily accident: the procedure to follow to ensure compensation
Each year the number ofbodily injury increases considerably. Whether it's a road accident, a sports accident or even a medical accident, it is important to know what are the steps to follow to be sure and to be compensated.
Regardless of the bodily injury that occurs, the victim must imperatively follow the steps one after the other to ensure thecompensation full damage. In addition, if you are the victim of a bodily injury, keep in mind that it is important to know the process of compensation for these damages.
What should I do to be compensated if I am the victim of a bodily injury?
First, it is important to clearly declare the accident. This means that you must provide a detailed report to your insurance about what happened. It is also necessary to collect information on the circumstances of the accident as well as the people involved.
You must also be able to prove that you are the victim of a bodily injury and not of another type of accident.
In a general way, the declaration of the bodily accident to the insurer is the first step which makes it possible to initiate the compensation process. This declaration is not necessary if the victim is not bound by an insurance contract. In addition, there is a time limit for reporting the accident to the insurer and this time limit is included in the insurance contract. Sometimes, in the context of a road accident, the victim has a period of five days to declare the bodily accident to his insurer.
What documents do I need to provide to my insurance to be compensated?
It is important to get medical treatment after an accident. This means that you must provide your insurance company with information about the medical care you received and the associated costs. You must also be able to justify that the costs incurred are indeed linked to your accident. Finally, your insurance company may ask you for an estimate of future expenses for your treatment to forecast all expenses.
Depending on the degree of bodily injury that occurred during the accident, damages can be assessed based on the document opinion or medical expertise. Within the framework of the notice on documents, only very slight bodily injuries are considered, but this will allow the victim's insurer to proceed with the assessment of the damages after having analyzed the following documents:
- Medical certificate and treatment order for the victim;
- Victim's work stoppage certificate;
- Possible amicable contract between the victim and the person responsible for the accident (in the case of a road accident in which there is bodily injury).
How to assess bodily injury with medical expertise?
When the assessment of the bodily injuries is not established by the documentary evidence, the insurer studies them by means of a medical expertise. In this case, the insurance company encourages the victim of an accident to undergo a medical examination with a professional doctor.
In general, this approach allows the victim to validate the compensation. Indeed, the insured will receive the expert report written by the doctor recommended by the insurance company. After the medical examination, the insurer will be able to initiate all the necessary steps.
This report will allow the insurance company to identify the extent and nature of the bodily injury caused by the accident. In addition, this medical examination also makes it possible to evaluate the bodily damage, whether psychological or physical. The doctor thus writes the figures concerning the moral damages and the functional deficit in this report.
What are the damages to be taken into account for compensation?
Neither refund nor repair can be made when the damages are not taken into account. To proceed with compensation for damage, you must define the following three periods:
- Before the accident;
- After the accident;
- State of health of the victim after treatment.
To validate the compensation, here are the damages that you must take into account:
- Temporary assets such as medical expenses or loss of professional earnings of the victim;
- Permanent assets such as future health expenses or the cost of assistance from a third party;
- Permanent or temporary functional deficit such as permanent pain or loss of quality of life.
By following these steps, you can fully insure your compensation with your insurance company.
