While many states are similar, every state has its own unique set of laws that pertain to how long a person has to file a personal injury claim. As well, filing an injury claim with an insurance company is different than filing a personal injury claim for a lawsuit.
If you have been injured or become ill because of someone else’s negligence, malice or reckless behavior, you may be entitled to compensation for expenses that came about as a result of your injuries, as well as for your pain and suffering. It is important to know the laws of the state that you were injured in to make sure that you file your claims before the statute of limitations runs out. Only a lawyer that is licensed in the jurisdiction you were injured in, is authorized to give out legal advice. As a very general rule of thumb, the majority of states in the US give from two to five years to get a case started in their legal system but it is important to find out the specifics of the state you were injured in if you are wondering about your particular claim.
Depending on how and where you were injured, there is a good chance that an insurance company will be involved in your process of trying to get the compensation you need and are entitled to. This may be your own insurance and/or it may be the party whose negligence caused you to become ill or injured. While insurance is a good thing because it gives some amount of assurance that an injured or unwell person will get some of the financial part of their injury or illness taken care of, unfortunately, many insurance companies do not make it easy for victims of personal injuries to get the compensation they deserve.
Insurance companies are notorious for spending lots of money on trying to pay people as little money as they can, even if the person is entitled to more and definitely needs it. Even though a person or company may pay high monthly premiums to be insured, this does not mean that the insurance company will pay the maximum amount they can to the party that is entitled to it without a fight. And even though an injured or unwell person may truly need money because of another party’s negligence, this does not mean that an insurance company is going to give them the full amount that they are entitled to.
Getting the compensation you deserve from an insurance company can be very difficult. This is one of the many reasons that people recommend enlisting the help of a personal injury lawyer when someone is injured or becomes ill through no fault of their own but because of another party’s negligence.
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