During a personal injury lawsuit, discovery can take a significant amount of time. But discovery for auto insurance claims is a crucial part of an accident case. After all, the at-fault party’s insurance carrier usually pays for damages. Fund Capital America provides insurance discovery services to save time and energy, whether in receiving immediate healthcare or getting compensated for lost income, medical treatment, etc.
Discovery can involve gathering police reports, witness testimonies, or photos from an accident scene. One side might also request medical records or insurance policies from the other. But obtaining all the fine details isn’t always easy. For example, insurance policies have a lot of fine print, and there may be hidden coverages the policyholder didn’t know about.
Nonetheless, auto insurance discovery can be streamlined and we’ll explain how.
What Does Discovery Entail?
The federal court system requires all relevant facts and documents to be disclosed between parties in a lawsuit before a trial begins. The discovery phase is multi-faceted and includes steps such as:
- Requests for Documents: The plaintiff’s attorney requests documents from opposing lawyers. The defendant, their lawyer, and their insurance company will ask questions about your accident.
- Interrogatories: One side submits a series of written questions to the other side about their claims.
- Request for Admissions: Your lawyer will ask the other party to admit certain facts by asking them questions about any disputed details.
- Subpoenas: A subpoena is an order that requires a person, business, or organization to provide documents to the other side.
- Depositions: A deposition is an in-person question-and-answer session, held under oath. Although it’s out of court, a court reporter is present.
- Independent Medical Exam: Even if you’ve been treated by your medical provider, the insurance company’s attorney may request an examination by an independent medical professional.
Know What You Need
Knowing what’s discoverable lets you and your attorney prepare the appropriate documents. Any relevant information can be obtained, leading to the discovery of admissible evidence. This includes documents, property, or persons with knowledge of a discoverable matter.
Information that you may need to present includes:
- Existence and contents of liability insurance coverage
- Policy limits and the nature of your coverage
- Past and present physical/mental health conditions
- The liable party’s insurance coverage
- Identity of witnesses/expert witnesses
- Details on similar claims against the defendant
- Reports from prior accidents and the accident in question
Speeding Up Discovery for Auto Insurance Claims
Anyone who has filed a personal injury lawsuit knows reaching a conclusion and being compensated can take time. Software is used to streamline tasks for virtually all parties, from insurance adjusters to healthcare providers to legal professionals. It allows easier and faster access to information. Depending on the software tool, one can identify a party’s insurance carrier, insurance coverage, and vehicle registration information.
Third-party insurance discovery services are another option. During discovery, auto insurance claims can be stretched out, but your law firm doesn’t have to carry all the burden. For example, Fund Capital America uses the latest technology to discover unknown coverage, increase productivity, and ensure all accounts are compensated. It also helps medical providers maintain a consistent revenue stream and can uncover new ways to cover medical bills.
There are many moving parts in a lawsuit. Streamlining insurance discovery can make the process easier for multiple parties, ensuring the patient gets the care they need and all sides have the information required for the case to move along.
Contact Fund Capital America
Fund Capital America provides insurance discovery for auto policy limits. We can analyze a policy in detail and find hidden coverages and opportunities for reimbursement. Our team eliminates any uncertainties. To learn more about how we can streamline discovery for an auto insurance claim, or provide non-recourse pre-settlement funding, contact us online or call (855) 870-2274.
