Control Your Loss Wages Claim

Report the Accident:

· Contact the auto insurance carrier(s) as soon as possible after the accident.

· Provide initial details about the accident.

Open a Lost Wages Claim:

· Inform the insurance representative that you intend to file a claim for lost wages due to the accident.

· Ask for specific instructions and forms required by your insurance carrier for a lost wages claim.

Gather Necessary Documentation:

· Collect all relevant documents that prove your injury, inability to work, and loss of income.

· Prepare a detailed cover letter or claim letter (like the one drafted earlier).

Submit the Claim:

· Send the claim letter along with all supporting documents to your insurance carrier.

· Use certified mail or an equivalent service for tracking purposes.

Follow Up:

· Regularly follow up with the insurance company to check the status of your claim.

· Respond promptly to any requests for additional information.

Review the Response:

· Once you receive a response, review it carefully.

· If the claim is denied or you disagree with the assessment, you may need to consult a legal professional.

(ITEMS TO GATHER / INCLUDE)

Personal Information:

· Your contact information.

· Insurance policy number and claim number (if already assigned).

Accident Details:

· Date and time of the accident.

· Police report or accident report number.

Medical Documentation:

Medical records relating to the accident.

Doctor’s note specifying the time off needed due to injuries.

Proof of Lost Income:

• Recent pay stubs or wage statements.
• Employer’s letter verifying your absence and outlining your salary/wage details.
• Tax returns may also be helpful, especially for self-employed individuals.

Claim Letter:

• A detailed letter to the insurance carrier outlining your request for lost wages compensation. (see downloads)

Additional Documentation (if applicable):

• Correspondence with the employer regarding your absence.
• Any other documentation that supports your claim