When you file a personal injury claim with an insurance company, they may seek various documents from you to evaluate your claim. These documents help the insurance company assess the validity and extent of your injuries, the impact on your daily life, and the potential value of your claim. While the specific documents requested may vary depending on the circumstances of your case, here are some common types of documents that an insurance company may seek from you:
Medical Records
Insurance companies typically request medical records related to your injuries. This may include hospital records, doctor’s reports, diagnostic test results, surgical notes, medication history, and any other relevant medical documentation. These records help the insurer evaluate the severity of your injuries, the recommended treatments, and the cost of your medical care.
Bills and Expenses
The insurance company may ask for copies of medical bills, pharmacy receipts, rehabilitation expenses, and any other documentation that substantiates your medical expenses. Providing itemized bills and receipts can help support your claim for compensation for medical costs.
Employment Records
The insurer may request employment records to assess the impact of your injuries on your ability to work and your lost wages. This may include pay stubs, tax returns, employment contracts, or other documents that show your income and work history. These records help determine the extent of your economic damages.
Property Damage Documentation
If your personal injury claim involves property damage, such as a car accident, the insurer may request documentation related to the damage. This can include estimates or invoices for repairs, photographs of the damaged property, or any other evidence supporting the property damage claim.
Witness Statements
The insurance company may seek statements from witnesses who observed the incident or have relevant information about your injuries. Witness statements help the insurer understand the facts and circumstances surrounding the incident and evaluate the credibility of your claim.
Photographs or Videos
If you have any photographs or videos related to the incident, your injuries, or the property damage, the insurance company may request copies. Visual evidence can provide a clearer understanding of the scene, the severity of your injuries, and the extent of property damage.
Insurance Policy Information
The insurer may ask for a copy of your insurance policy or policies that could potentially provide coverage for your claim. This includes any health insurance, auto insurance, or other relevant policies that might contribute to your medical expenses or other damages.
Written Statements or Reports
The insurance company may ask you to provide a written statement describing the incident, the injuries you sustained, and the impact on your life. They may also request reports from your healthcare providers, such as narrative medical reports or assessments of your physical limitations or disabilities.
It is important to carefully review any document requests from the insurance company and consult with a North Carolina personal attorney before providing any information. Your attorney can help ensure that you comply with your obligations while protecting your rights and interests throughout the claims process. They can guide you on which documents are relevant, advise you on how to present the information, and help you respond appropriately to the insurer’s requests.