Your employer has been paying into the South Carolina Workers' Compensation system for you so that insurance can be made available in the event of a workplace injury.
If you have been hurt and filed a South Carolina Workers' Comp claim, it will be up to the insurance company to pay your medical bills, temporary total disability, permanent partial or total disability benefits - and other potential benefits if your injury keeps you from working or leaves you forever disfigured.
The call from an adjuster...
Because the insurance company is responsible for the bills, it will need to know what happened. Within a few days of filing a South Carolina Workers' Comp claim, you can expect a call from an insurance adjuster looking for your story about what happened, how it happened and how badly injured you are.
What to say:
The adjuster will often ask for a recorded statement. Unlike instances involving other liability insurance providers, like auto accidents, you are required to give a statement. The key is to relax. Be honest, direct and clear. Carefully explain the circumstances of your injury. Think about how you will explain it to the adjuster ahead of the call so you can prepared. It's easy to get flustered if you feel like you're being interrogated. Try not to look at it that way. Instead, imagine the adjuster is an extended family member who needs the basic detail and a clear, to-the-point and uncomplicated explanation of what happened.
An experienced attorney can help you know how to talk with the insurance adjuster.
What to keep in mind:
The insurance adjuster does not work for you. In fact, the adjuster doesn't even work for your employer. The insurance company is a for-profit business that makes more money when they pay out less money for claims. So, if you claim seems fishy at all, adjuster will dig and do whatever they can discount your claim. That's why it's important to be honest about everything. If you get caught lying or exaggerating about any part of your injury, it could call into question your overall integrity.
Contact George Sink P.A. Injury Lawyers if you have any questions about your South Carolina Workers' Comp claim. Our experienced legal team will help you better understand your rights and what to expect throughout the process .