SECRET #5: Keep Receipts of Everything!

Like it or not, dealing with insurance companies is a giant paper shuffle. In the law business it's called "building the fire". Documentation is the key to keeping an insurance company honest and on their toes. If you want to get reimbursed for an expense, you will first have to show proof of the expense.

For example, if you have to hire someone to cut your grass, shovel snow or clean your house, you need receipts to prove you spent the money. It is amazing how many of these reimbursable expenses slip through the cracks, unless you bring them to the adjuster's attention.

However, keeping receipts has more value than the amount that is reimbursed. It is more proof that you really are hurt. Receipts and documentation of these costs are painting a very clear picture of the nature and extent of your injuries. My clients quickly realize that the pain of a little paperwork can turn into an effective negotiating tool.

Do's and Don'ts Immediately After an Accident.

• Don't discuss fault.
• Do have someone call the police and/or medical help immediately.
• Don't deny any injuries you may have suffered.
• Do locate witnesses and get phone numbers if possible.
• Don't give ANY statement to the other person's insurance company.
• Do list the exact location of the accident.
• Do write down landmarks and reference points if necessary.
• Do take pictures (or video) and write down all of your thoughts.
• Don't make up injuries you don't have.
• Do draw a diagram of the accident events and scene.
• Do report the accident to your insurance company.
• Do hire an experienced attorney as quickly as possible.

Law Offices of Ronald B. Laba
Personal Injury Law
2850 North Pio Pico, Suite I
Carlsbad, California 92008
Phone: (800) 490-2222 or (760) 439-8969  |  Telefax: (760) 730-9949
Email: RonLaba@InjuryLawofSanDiego.com