One of the most unfortunate things that can happen to us is that we are involved in an accident, and then we have to go through the exhausting process of tiring to achieve a fair settlement for our injuries. This will require intensive negotiations with at least one insurance company, and these negotiations can often leave us feeling weary and annoyed at a system that never seems to work in our favor. If this rings a bell, then don't despair, as here you will find a detailed guide on how to obtain a favorable settlement after you have an accident.
It may sound obvious, but it is surprising how many people do not document everything surrounding their accidents. If you are involved in a car crash, it is important to take pictures of the scene, and also to get the details of all the parties involved in the accident. You should also make sure that you go to the nearest hospital immediately to check for any injuries. This is particularly important because if you are injured, you need to be able to link those injuries to the accident, or you may not get an associated payout. If you have an accident at work, make sure this is documented in the health and safety book and reported to the relevant people. If you get injured in the street, make sure you photograph the offending pave stone or tree and inform the local authorities. Basically, you must do all you can to have full documentation for your accident.
Inform Your Insurance Company and Engage a Lawyer
Once you have documented everything and sought medical attention, you need to inform your insurance company of all the details and then engage a lawyer. Your lawyer will then act on your behalf while negotiating a settlement between the two insurance companies. Legal experts at KerleySchaffer.com advise that it is vital that you cooperate with your lawyer at every stage and that you give them as much information as possible. You will need to sign a document instructing them to lead the case on a no win no fee basis, which will protect you in the event that your claim is unsuccessful. Be patient, the negotiation phase can take time, but be rest assured that your lawyer will be working as hard as possible as they will want to be paid for their time.
This is the phase that will determine your payout, so it is crucial to assist your lawyer with the negotiations. Never accept the opening offer, as this will be low on purpose. You may be eager to get your hands on your compensation, but patience is a virtue that can pay off. You need to make sure that all future damages are covered in the negotiating phase. For example, you may not be able to work for six months due to your broken arm, so this loss of earnings must be claimed. You will need to work with your doctor and may even need to hire an independent medical examiner who can prove your claims.
Future losses are not the only thing you can claim for. You will need to make sure that you document all of your expenses relating to the claim. If you need multiple trips to the hospital, then keep all transport receipts. If you need a carer to look after you or go to the mall to do your shopping for you, then document it, because these are all claimable costs.
The last thing you want to do is ruin your chances of compensation by saying the wrong thing while your compensation claim is pending. The opposition will be doing all they can to show that your claim is spurious, so don't do anything to jeopardize it. Stay off all forms of social media as this will be monitored, and you may risk posting something that might harm your case. Laying low and cooperating with your legal team is the best way to maximize your settlement. As we have discovered, there are several important steps to take if you want to maximize any settlement after an injury.
Make sure you document everything surrounding the accident and seek medical attention as soon as possible. Work closely with your legal team and negotiate sensibly, making sure you seek damages for future losses as well as all of your expenses surrounding the case. Stay off social media, be patient, and follow these steps, and you will then have the best chance of a favorable settlement after your accident.
3 Min Read
With a lack of certainty surrounding the future, being and feeling healthy may help bring the security that you need during these unpredictable times.
When it comes to your health, there is a direct relationship between nutrition and physical activity that play an enormous part in physical, mental, and social well-being. As COVID-19 continues to impact almost every aspect of our lives, the uncertainty of the future may seem looming. Sometimes improvisation is necessary, and understanding how to stay healthy and fit can significantly help you manage your well-being during these times.
Tip 1: Communicate with your current wellness providers and set a plan
Gyms, group fitness studios, trainers, and professionals can help you to lay out a plan that will either keep you on track through all of the changes and restrictions or help you to get back on the ball so that all of your health objectives are met.
Most facilities and providers are setting plans to provide for their clients and customers to accommodate the unpredictable future. The key to remaining consistent is to have solid plans in place. This means setting a plan A, plan B, and perhaps even a plan C. An enormous amount is on the table for this coming fall and winter; if your gym closes again, what is your plan? If outdoor exercising is not an option due to the weather, what is your plan? Leaving things to chance will significantly increase your chances of falling off of your regimen and will make consistency a big problem.
The key to remaining consistent is to have solid plans in place. This means setting a plan A, plan B, and perhaps even a plan C.
Tip 2: Stay active for both mental and physical health benefits
The rise of stress and anxiety as a result of the uncertainty around COVID-19 has affected everyone in some way. Staying active by exercising helps alleviate stress by releasing chemicals like serotonin and endorphins in your brain. In turn, these released chemicals can help improve your mood and even reduce risk of depression and cognitive decline. Additionally, physical activity can help boost your immune system and provide long term health benefits.
With the new work-from-home norm, it can be easy to bypass how much time you are spending sedentary. Be aware of your sitting time and balance it with activity. Struggling to find ways to stay active? Start simple with activities like going for a walk outside, doing a few reps in exchange for extra Netflix time, or even setting an alarm to move during your workday.
Tip 3: Start slow and strong
If you, like many others during the pandemic shift, have taken some time off of your normal fitness routine, don't push yourself to dive in head first, as this may lead to burnout, injury, and soreness. Plan to start at 50 percent of the volume and intensity of prior workouts when you return to the gym. Inactivity eats away at muscle mass, so rather than focusing on cardio, head to the weights or resistance bands and work on rebuilding your strength.
Be aware of your sitting time and balance it with activity.
Tip 4: If your gym is open, prepare to sanitize
In a study published earlier this year, researchers found drug-resistant bacteria, the flu virus, and other pathogens on about 25 percent of the surfaces they tested in multiple athletic training facilities. Even with heightened gym cleaning procedures in place for many facilities, if you are returning to the gym, ensuring that you disinfect any surfaces before and after using them is key.
When spraying disinfectant, wait a few minutes to kill the germs before wiping down the equipment. Also, don't forget to wash your hands frequently. In an enclosed space where many people are breathing heavier than usual, this can allow for a possible increase in virus droplets, so make sure to wear a mask and practice social distancing. Staying in the know and preparing for new gym policies will make it easy to return to these types of facilities as protocols and mutual respect can be agreed upon.
Tip 5: Have a good routine that extends outside of just your fitness
From work to working out, many routines have faltered during the COVID pandemic. If getting back into the routine seems daunting, investing in a new exercise machine, trainer, or small gadget can help to motivate you. Whether it's a larger investment such as a Peloton, a smaller device such as a Fitbit, or simply a great trainer, something new and fresh is always a great stimulus and motivator.
Make sure that when you do wake up well-rested, you are getting out of your pajamas and starting your day with a morning routine.
Just because you are working from home with a computer available 24/7 doesn't mean you have to sacrifice your entire day to work. Setting work hours, just as you would in the office, can help you to stay focused and productive.
A good night's sleep is also integral to obtaining and maintaining a healthy and effective routine. Adults need seven or more hours of sleep per night for their best health and wellbeing, so prioritizing your sleep schedule can drastically improve your day and is an important factor to staying healthy. Make sure that when you do wake up well-rested, you are getting out of your pajamas and starting your day with a morning routine. This can help the rest of your day feel normal while the uncertainty of working from home continues.
Tip 6: Focus on food and nutrition
In addition to having a well-rounded daily routine, eating at scheduled times throughout the day can help decrease poor food choices and unhealthy cravings. Understanding the nutrients that your body needs to stay healthy can help you stay more alert, but they do vary from person to person. If you are unsure of your suggested nutritional intake, check out a nutrition calculator.
If you are someone that prefers smaller meals and more snacks throughout the day, make sure you have plenty of healthy options, like fruits, vegetables and lean proteins available (an apple a day keeps the hospital away). While you may spend most of your time from home, meal prepping and planning can make your day flow easier without having to take a break to make an entire meal in the middle of your work day. Most importantly, stay hydrated by drinking plenty of water.
Tip 7: Don't forget about your mental health
While focusing on daily habits and routines to improve your physical health is important, it is also a great time to turn inward and check in with yourself. Perhaps your anxiety has increased and it's impacting your work or day-to-day life. Determining the cause and taking proactive steps toward mitigating these occurrences are important.
For example, with the increase in handwashing, this can also be a great time to practice mini meditation sessions by focusing on taking deep breaths. This can reduce anxiety and even lower your blood pressure. Keeping a journal and writing out your daily thoughts or worries can also help manage stress during unpredictable times, too.
While the future of COVI9-19 and our lives may be unpredictable, you can manage your personal uncertainties by focusing on improving the lifestyle factors you can control—from staying active to having a routine and focusing on your mental health—to make sure that you emerge from this pandemic as your same old self or maybe even better.