When you’ve suffered an injury at work, your focus is likely not on keeping the record of events clear. While this is understandable, it can also prove to be problematic later on. The worker’s comp insurance carrier isn’t in business to help you through this difficult time—the company is in business to make money. The following tips will help you protect yourself and avoid giving the insurance company a reason to deny payment of your claim.
1. Follow the Rules
Nevada law requires that you notify your employer of an accident or injury as soon as possible but no later than 7 days after the accident. If you aren’t able to complete a report immediately due to the seriousness of your injury, make it a point to do so once you are able to.
2. Create a Record
Filling out your employer’s accident report is the first step toward creating a record, but it’s only the beginning. Be sure to compile your own detailed notes as soon as possible after the injury, and be sure to include the names of any witnesses to the incident. The morning after your accident, you may think the details are forever burned into your brain, but they’re not, so make sure to write everything down.
3. Tell the Truth
Discrepancies in your story may come back to haunt you later. Make sure to tell your story clearly and accurately, whether you’re talking to the nurse at the emergency room, your supervisor or your neighbor. Try not to exaggerate any details or minimize fault as your best chance of getting the compensation you deserve is through the truth.
4. Remember the Insurance Rep is Not Your Friend
The insurance company representative has one job: to save the company money. Though the person who calls you may seem helpful and sympathetic, remember what they are there for. If the conversation is not being recorded, it is best to assume they are taking notes and take some of your own. Do not allow this representative to make assumptions or put words in your mouth about the incident.
5. Talk to a Worker’s Compensation Attorney
The earlier you speak with a worker’s comp lawyer, the better. An attorney who is well versed in worker’s compensation law, claim procedures and insurance company tactics can guide you through the process and take the pressure off of you and your family. Do not agree to anything with the insurance representative without legal review first.
If you have been injured at work and are considering representation, call Greenman, Goldberg, Raby & Martinez at (702) 388-4476 or fill out the brief form on our contact page to schedule your free consultation today.