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West Virginia Personal Injury Lawyer Professionals Experts always remind everyone to be careful and attentive when making a personal injury claim. It is because the company and its insurance company will run a thorough investigation of the incident before they release any payment. A slight irregularity can result to a decrease in the compensation or it can also lead to a denial of the personal injury claim. Here are examples of faults that individuals do before or during a personal injury claim process.

1. Failure to document the incident is one of the most common mistakes people do in a personal injury claiming process. In any accident, it is important to record all facts and data about the accident. The opposite of this would make any claim harder to acquire. In addition, not gathering of evidences such as pictures and eye witnesses? accounts can also weaken a claim.

2. Another mistake that we can make to affect the claim is when we fail to visit a doctor. Some would wait for several days before letting a doctor check their injured body. This is actually a mistake because on the injured individual?s part because the company could say that the injury happened outside the property. Thus any delay especially this one can result to a denial of the claim.

3. Another classic error we can commit during the claiming process is by accepting the compensation without reviewing the agreement. A company who offers compensation is great but it should be consulted to a legal representative before signing any agreement. Reviewing the agreement would safeguard a person from unjust compensation especially if the injury turns out to be lifetime. Thus it is considered a mistake if anyone signs and accept the compensation without reviewing the agreement.

4. Likewise, giving out statements about the incident without consulting a lawyer could affect our personal injury claim. It is because our statement can be used against us and this would make the claim harder to obtain.
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5. A person who never consults a lawyer during a claim dispute is bound to fail later on. The scenario presented in the previous number proves how valuable lawyers are in a personal injury claim. Although simple cases like the injury is minimal or it was already established that the company was at fault would not require any legal help. But for complex situations especially if there is a dispute, hiring a lawyer is our best chance of winning the claim.

Finally, making a fraudulent claim would result in a felony charge. Lying just to get a huge claim is truly a great mistake because we can end up in jail and we won?t be able to receive compensation.


An insurance policies poor religion refers to the carelessness dedicated because of the insurance agency which resulted to breach of deal to its plan holders. Under the law, insurance companies are expected to honor their obligations to their policy holders as a sign of good faith. This is known as implied covenant of good faith and fair dealing which is expected in every insurance agreement. However, there are instances when insurance companies violate this covenant. As such, policy holders can legally question their insurer for tort promises and promises on breach of deal.

Insurance bad faith has many forms and these may happen at any point in time, such as during claim review and payment process. For example, if an insured home or another assets is ruined, the legislation would necessitate the insurance plan company immediate investigation and assess the deterioration so it could possibly fork out the claimant. If the insurer fails to conduct a correct investigation and it resulted to devaluation, the organization is considered to generally be acting in terrible religion. Bad faith also applies when the company delays the investigation or refuses to acknowledge the damage and pay coverage.
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But, it is important for policy holders to grasp that insurance protection corporations can legitimately deny any claim in order to guard their curiosity in addition. For example, if the policy holder does not hold on his part of the agreement or when the damage was accomplished in a fraudulent method, the company can lawfully decline the claim. In addition, if the damage is not part of the agreement, the insurance company can also deny the claim.

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In the absence of the scenarios mentioned above, the insurance company has legal obligations to pay policy holders? claims. If the policy holder thinks that his insurer is committing an omission, he can question this in court so he can acquire what the company owes him. In addition to the claim, he can also ask the company to pay any economic loss if the bad faith resulted to delay or denial of the claim. But if it is proven that the insurance company committed malice, fraud, or oppression, the person can ask for damages on account of financial reduction or distress in addition punitive damages.

All in all, insurance companies have a legal duties to its policy holders. It is because a company that exercises undesirable religion versus its policy holders is legitimately liable under the regulation.