Writing down the details is far
easier -- and more accurate -- than relying on your memory.
One of the first things you should do after you are injured
is write down everything you can about your accident,
including details of your injuries and their effect on your
daily life. These notes can be very useful two or six or ten
months later, when you put together all the important facts
into a final demand for compensation. Having notes to remind
you of the details of what happened, and what you went
through, is both easier and more reliable than counting on
your memory.
Get into the habit of taking notes on anything you think
might possibly affect your claim and carry it through the
entire claims process. Whenever you remember something you had
not thought of before -- while you're in the shower, just
before you fall asleep, as you're biting into a pastry --
write it down and put it with your other notes. Here are some
specific things about which you should make notes.
The Accident
As soon as your head is clear enough, jot down everything
you can remember about how the accident happened, beginning
with what you were doing and where you were going, the people
you were with, the time and weather. Include every detail of
what you saw and heard and felt -- twists, blows and shocks to
your body immediately before, during and right after the
accident. Also include anything you remember hearing anyone --
a person involved in the accident or a witness -- say about
the accident.
Your Injuries
In the first days following your accident, make daily notes
of all pains and discomfort your injuries cause. You may
suffer pain, discomfort, anxiety, loss of sleep or other
problems which are not as visible or serious as another injury
but for which you should demand additional compensation. If
you don't make specific note of them immediately, you may not
remember exactly what to include in your demand for settlement
weeks or months later. Also, taking notes will make it easier
for you later to describe to an insurance company how much and
what kind of pain and discomfort you were in.
And writing down your different injuries will help you
remember to report them to a doctor or other medical provider
when you receive treatment. A relatively small bump on the
head or snap of the neck, for example, may not seem worth
mentioning, but it might help both the doctor and the
insurance company understand why a bad back pain developed two
or three days, or several weeks, after the accident. Also, by
telling the doctor or other medical provider about all of your
injuries, those injuries become part of your medical records
that will provide evidence later that such injuries were
caused by the accident.
Economic or Other Losses
You may be entitled to compensation for economic loss and
for family, social, educational or other losses, as well as
for pain and suffering. But you will need good documentation.
Begin making notes immediately after the accident about
anything you have lost because of the accident and your
injuries: work hours, job opportunities, meetings, classes,
events, family or social gatherings, vacation or anything else
which would have benefited you or which you would have enjoyed
but were unable to do because of the accident.
Conversations
Make written notes of the date, time, people involved and
contents of every conversation you have about your accident or
your claim. In-person or telephone conversations worth noting
may include those with any witness, adjuster or other
insurance representative, or with medical personnel.