A Declaration Page is the Most Important Part of Getting Coverage in an Accident
It is possible that after your car accident, you failed to receive your insurance claim, despite being victimized, all because you forgot to keep some documents. It would be extremely unfair and intolerable. Apart from the most common things like lodging a complaint against the offending car and keeping a note of the license number, there is one more thing people often forget but is significant in releasing your claim. Your personal injury attorney in OKC will be in need of this too so they can handle the case on your behalf. Therefore, be prepared with the document:
Declaration Page of Your Insurance Policy
Like the ‘terms and conditions’, the declaration page is also a boring one. It is a one-page document that consists of the most important information of your insurance policy. It summarizes the insurance coverage with acronyms i.e. incomprehensible for most people. The progress of lawsuits and their regulations vary with the contents of this page. This is the reason why personal injury attorneys in OKC ask for this page when filing the case.
Clients often ask why his or her insurance papers are needed when he or she is not guilty of the accident. It is not required to find out who is at fault but to give the case a smooth ending where you can receive the maximum benefits. No matter whether you are puzzled by the police inquiries or lying in a bed hospital from an injury, your first responsibility is to call the insurance company and ask for the declaration page. Once you have it, make sure you send it securely to your personal injury attorney in OKC.
Why Is It So Important?
You must be thinking why the lawyer is in search of this document? Here are some reasons to clear up your confusions:
Being an accident victim, it is very possible that you have pending medical bills from the accident. This page will help you out fof this situation. There is a small box on that page saying ‘med pay’. This is an abbreviation of medical payment coverage. When you are under this coverage, you can choose the institute or the health care provider from whom you want to get treatment. It does not increase the rate of your insurance bill.
If the driver who hit you is not an insured person, you may have to wait for the driver to pay the bills and once a payment is missed, your coverage can be canceled. In this case, the declaration page can help you. If you have checked the UM box on the declaration page you are eligible to have Uninsured Motorist coverage.
Without the help of a legal person from a personal injury attorney in OKC, you will not be able to receive the maximum benefits from your coverage. Therefore, it is better to hire someone to have your back at the time of crisis. It is a wise decision, always.
** Disclaimer: This blog article is not legal advice and does not create an attorney-client relationship.