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Talking To Insurance Providers After Auto Accidents

The moments following an automobile accident can be stressful and even frightening, especially if you have never been in an accident before and are not sure how to properly react. In most cases, you will have to make a number of phone calls following an accident. After calling emergency services and a family member or close friend, you will also need to contact your insurance company to file a claim. This can be a very important phone call, so you should be careful of what you say to your insurance provider so you do not inadvertently lose your chances of recovering financial benefits. Even if you trust your insurance provider and believe you deserve financial benefits, you could accidentally say something to your provider that could put you at risk of sounding at fault for the accident.

Phrases You Should Avoid

Car accidents can be serious and may leave you temporarily or even permanently disabled. In these situations, according to, you may need financial compensation from your insurance company and also from the party at fault to help pay for auto repair bills, medical expense, and other damages. However, there are certain missteps that one may take when talking to an insurance provider that can eliminate ones eligibility for this remuneration.

When speaking to your insurance provider, make sure you avoid the following phrases:

  • “I am not hurt.” Injuries are not always apparent immediately after an accident. In fact, whiplash can take days or weeks to arise, so do not talk about your injuries until after you have seen a doctor.
  • “It was my fault.” If you admit that the accident was your fault, you can lose all chances at recovering insurance benefits or compensation for injuries. It is important to talk to an attorney about this issue as he or she may be able to determine that a less obvious party is at fault, such as a negligent municipal agency.
  • “I accept your first offer of compensation.” Do not accept any amount until your personal injury attorney has looked over it and helped you determine if it is the full amount you deserve.

Exposure To Toxic Substances

While any occupation might, at times, expose workers to dangerous or toxic substances, these accidents are most often seen in manufacturing or construction-related occupations. Regardless of where these incidents occur, however, any extended or severe exposure to toxins can have devastating results on a person’s health. Depending on the severity of the exposure and its impact, workers who are affected might have to leave their jobs to seek medical help. This job loss, temporary or permanent, and the necessary medical treatment could leave workers with no reasonable way to support themselves and their loved ones financially. However, through the benefits of workers’ compensation payments, many workers who suffer from toxic substance exposure are actually able to financially support themselves and maintain their lifestyle to a certain extent.

While everyone’s individual case is different, many of the cases of injured workers that involve toxic exposure result in significant physical or mental damage. Because toxic substances can attack the mind as well as the body, they are especially dangerous for workers who come into contact with them regularly or for long periods of time. These long periods of exposure maximize the risk that workers will be negatively affected by the exposure, leaving them with potentially life-changing effects.

Dangerous Toxins

There are many kinds of toxic substances that are dangerous for workers to handle. But some of the most common include:

  • – Mercury
  • – Lead
  • – Pesticides
  • – Liquified petroleum gas (LPG)
  • – Carbon monoxide
  • – Sulfur
  • Ammonium nitrate (Like in fertilizer plants)

Whether your job exposed you to these or other dangerous toxins, you may be entitled to pursue workers compensation benefits. If you or a person you work with has been negatively affected by exposure to dangerous toxins at the workplace, contact an experienced personal injury lawyer today to discuss your legal options for getting workers’ compensation benefits.

Second Injury Fund

Many employees across the country suffer injuries in workplace accidents every year. Sometimes these injuries cause the affected worker to develop a permanent partial disability. When this is a persons only disability and he or she is an eligible employee, they will likely receive benefits according to Iowas workers compensation law; however, if this disability is actually a workers second permanent disability, the benefits the employee will receive will vary. In these situations, a person will typically receive benefits from the Second Injury Fund.

What Is the Second Injury Fund?

The Second Injury Fund is a fund that was established in order to protect both disabled employees and employers. When a person already has a permanent partial disability to their hand, leg, arm, eye, or foot an employer may be more reluctant to hire them due to a fear that they will become financially responsible for that employees disability. The Second Injury Fund helps protect partially disabled employees from this by stating that employers will only have to pay compensation for the costs of an already disabled employees second disability. Not only does this help protect employers financially, but it also helps employees by preventing them from facing hiring discrimination or difficulty.

Once the workers compensation benefits are paid by the employer or insurance company for the second permanent partial disability, benefits may be paid to the disabled worker from the Second Injury Fund. These benefits are available to help disabled employees who are facing costs and losses that exceed the costs of the second disability and are exacerbated by the first disability. These benefits, however, cannot exceed the cost of the affected body parts separately.

Contact a Legal Professional

Obtaining workers compensation benefits can be difficult for a person who only suffers a minor injury. When a previously disabled employee suffers an injury that causes further disability, getting the necessary compensation can be even more complicated. Obtaining the support of your local Des Moines workers’ compensation lawyers is essential to understanding your rights and improving the likelihood of a successful claim.

Occupational Illnesses

While there is a considerable risk of being injured in almost any work environment, developing an occupational illness may be less likely, though equally dangerous. According to, when work conditions cause an individual to develop an illness, it may be possible to seek workers compensation benefits. This financial support can be extremely helpful as sickened workers undergo medical treatment or are unable to work because of the effects of their illness.

Anyone that has contracted an illness because of their work environment should discuss the matter with an experienced attorney in order to determine whether or not they are eligible for workers compensation benefits.

Common Occupational Diseases

The type of work done on the job site, the work setting, and the emphasis on safety regulations will bear upon the type of illnesses an employee is at risk of developing. Some of the most commonly reported occupational diseases include:

  • Lung cancer
  • Mercury poisoning
  • Skin diseases
  • Pneumonia
  • Pulmonary fibrosis
  • Bronchitis
  • Carpal tunnel syndrome
  • Arthritis
  • Infections
  • Hearing loss

Some of these conditions can be treated with drugs or therapy, but others may involve lifelong pain-management and long-term treatment. Victims should discuss their situation with a medical professional in order to gain an accurate impression regarding the likely consequences of the condition.

If you or someone you love has developed an occupational disease, an attorney may be able to assist you in pursuit of the workers compensation benefits that you are due under the law. Being hurt on the job is a good reason to think about looking into the services of a Denver personal injury attorney. With the assistance of a legal professional, an individual’s chances of succeeding at their case are dramatically improved, as his or her experience and training in handling legal matters can make a huge difference.