Personal Injury Checklist

1. Tell Client to start a diary. Include pain days and good days, things they can’t do and the effect of the injury on them.

2. Tell Client to take photographs of injury immediately and thereafter occasionally. Give the photographs to us.

3. Tell the client to notify us where both cars are located so that we can get photographs of both cars.

4. Get photographs of injured parties.

5. Get photographs of both cars.

6. Get copy of all police reports.

7. Get copy of ambulance run record.

8. Get emergency room report, emergency doctor report, bills from both and if any medications were prescribed.

9. Get subsequent hospital reports, billing, pathology reports, mri reports, billing etc.

10. Get copy of all automobile insurance policies and/or declaration sheets from tortfeasors insurance company.

a. Review all auto policies for policy limits.

b. Review all auto policies for PIP coverage.

c. Review all auto policies for Medical Payments coverage.

d. Review clients auto policy for uninsured motorist coverage and underinsured motorist coverage and the policy limits.

11. If the client or the owner of the vehicle in which client was a passenger have PIP or Med Pay coverage, then contact insurance company for the application for benefits for PIP or Med Pay. The client’s PIP will cover the client even when in another vehicle. The PIP carried by the owner of the vehicle occupied by the client as a passenger will also pay. The later is primary and the former is secondary. Remember, that if the owner of the car in which the client was a passenger is the liable party, the the PIP paid by the owner/liable party will be offset against any amount due under that same policy on account of a liability claim against the same policy that paid the PIP. This is called offset.