April 19, 2022
Can a Closed Insurance Claim Be Reopened?
If you have been injured by someone else’s negligence, you can continue to experience related losses for a long time to come. For example, if your injuries lead to complications or secondary health concerns, you can expect ongoing medical expenses – and related losses associated with decreased earnings.
Unfortunately, however, you usually cannot reopen an insurance claim once you accept a settlement, and this is exactly why you need an experienced New Jersey personal injury attorney on your side from the start. Too many people accept offers that are too low, and they also unknowingly waive their rights to reopen the claim if they realize they need additional funds in the future.
Having a lawyer help with your claim from the start can ensure you receive full compensation the first time and have no desire to reopen the closed insurance claim in the future.
A Closed Insurance Claim Could have closed without Covering Total Losses.
If someone else’s negligence has left you injured, it’s easy to become overwhelmed by the cascading medical expenses and lost income – in addition to the stress associated with the physical and emotional pain and suffering you’ve endured. It is no wonder that you want to settle your claim – and move on with your life – as quickly as possible, but rushing forward is not going to do you or your claim any favors. In fact, many insurance companies are only too happy to make early settlement offers that end up not even coming close to covering their claimants’ total losses.
The Losses You’ve Suffered
A critical component of your personal injury claim is ensuring that your full range of losses (or legal damages) are well represented, including those losses that have long-term implications.
Ensure to Add All Your Medical Expenses Before Your Insurance Claim Closes
Even if your injuries are relatively minor, the related medical expenses can be considerable. If your injuries require ongoing care, this fact must be addressed in your personal injury claim to help ensure that your most complete recovery is not jeopardized. Common medical expenses include:
- Emergency care
- Hospital stays
- Surgery and follow-up care
- Medical treatments, tests, and procedures performed by doctors, specialists, and other medical professionals
- Pain management
- Physical and occupational therapy
Your Lost Earnings
While you focus on recovering your health and well-being, your earnings can take a dive. The financial consequences can be even more extensive if your earning potential is affected. And if your career is thrown off course, there can be emotional consequences in addition to the financial blow.
Your Pain and Suffering
The physical and emotional pain and suffering you experience as a result of being injured by someone else’s negligence can be one of the most difficult losses you encounter. Ensuring that this element of your loss is well defined in your claim is critical to ensuring that your settlement amount fairly addresses the actual losses you’ve suffered.
Seek Legal Guidance For Closed Insurance Claim With an Experienced Attorney
Once you sign off on a claim settlement, the closed insurance claim cannot be reopened. As such, it is paramount that the settlement you accept reflects the full scope of your accident-related losses. The New Jersey and New York personal injury attorneys at Varcadipane & Pinnisi, PC, are committed to skillfully advocating for a settlement that does not fall short of providing you with the compensation you need to recover. Your claim is important, so please don’t wait to contact us for more information today.