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Making a claim to recover compensation is a right of those who sustain injuries in motor vehicle accidents or road accidents. If you have been injured in a motor vehicle accident, you may already know that you can make a claim to recover compensation particularly when you were not mainly responsible for the accident. Your claim can include the medical expenses and other related expenses you have to incur because of the injuries. In addition, loss of income, including the estimated loss of income for the future, costs of vehicle repairs or vehicle replacement, diminished market value of the vehicle, costs of hiring vehicles and other transport costs as well as all other reasonable losses and expenses can be included in your compensation claim. In certain situations compensation can be claimed for non financial losses such as pain and suffering, loss of amenities of life and the like. However, it is important to note that the claim should be made within the prescribed time limits. In some States, the injured person has to lodge a notice first along with the relevant medico legal reports. When the insurer receives the notice of the claim, the insurer is required to respond within a reasonable period after the receipt. The insurer may either admit or deny liability, and if liability is accepted the insurer will have to pay the amount of compensation you have claimed. However, if the insurer decides to deny liability, fully or partially, recovering compensation may not be easy, unless you dispute the insurer’s decision. However, most insurers prefer to settle insurance claims outside the court because litigation is often costly and time consuming. The insurer may require you to undergo a medical examination as well. You also have a duty to cooperate with the insurer and participate in return to work programs, rehabilitation programs or other training programs designed for you by the insurer. You also need to provide the relevant information when required.
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