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When a person injured in a motor vehicle makes a compensation claim for his injuries losses and expenses, the insurance company will consider a variety of factors before deciding on liability. After getting injured in a motor vehicle accident, the injured person can in most situations make a compensation claim for the injuries, losses and expenses he has suffered as a result of the accident. Once the claim is lodged with the insurance company, it will have to decide whether liability should be accepted and if yes, on what terms. For this purpose, the insurance company will need a lot of information relating to the accident. At the outset, the insurance company will hold an inquiry to see which party to be blamed for the accident. It will be easier for the insurance company to assess the quantifiable losses and expenses such as medical expenses and other related expenses, when the injured person has the relevant accounts, bills and receipts. The other quantifiable losses for which compensation can be claimed include loss of income and loss of earning capacity. The injured person may be required to provide information relating to his previous income so that the insurance company can determine how much he has lost after the accident. However, calculating non quantifiable losses, such as pain and suffering and loss of enjoyment of life will be difficult as such losses do not have a definite dollar value. The insurance company will have to rely on the medical reports and other documents available to determine how much the injured person should be paid for non quantifiable losses as compensation. It is important to note that there can be differences among the relevant laws among the states in this regard. After considering all available information the insurance company will determine whether liability of the accident should be accepted and how much money should be paid to the injured person as compensation. If the injured person is not satisfied with the insurance company’s decision he can request the company to reconsider it or resort to other alternatives, such as litigation.
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