Recovering Lost Wages from Travelers after an Accident

If you were harmed in an accident through no fault of your own, you have the right to seek compensation through an insurance claim with the at-fault party’s insurance company. Travelers, officially known as Travelers Companies, Inc., is one of many providers offering accident coverage to individuals and businesses. Through an accident claim, you can seek payment for your medical expenses, pain and suffering, property damages, and of course, lost wages for any missed time off at work.

However, it’s not always easy for claimants to access the benefits they deserve, and many people find themselves frustrated with the process of recovering lost wages after an accident. If you are one on these victims, please keep reading for information on the following topics:

• Does Travelers have pay for your lost wages if I miss work after an accident?
• How can I prove that I’m entitled to lost income in an insurance claim with Travelers?
• Why is Travelers refusing to pay for my lost wages?
• If Travelers denied me lost wages as part of my accident claim, what are my rights?

The personal injury lawyers of Normandie have the skill and experience you need to succeed in an accident case against Travelers. We can assist you no matter what type of compensation you are owed, so please contact us to learn about your rights and legal options.

What Documentation do I have to show to get Lost Wages Compensation from Travelers?

You can prove a case for lost wages with various documents that you most likely have in your possession already. These documents will serve as evidence of your medical condition and the wages you were earning right before you were injured. Here are some examples of the paperwork that can be used:

• Medical records
• If applicable, medical expert testimony
• Proof of wages – pay stubs or proof of income letter from your employer
• W2 or 1099
• Federal / state income tax returns
• Bank account statements

Calculating lost wages can be quite complicated depending on how seriously you were injured. Some victims are able to work again, but not in the same capacity as they did before the accident. Others end up with permanent complications and have to give up working altogether. If you are in this situation, you may be entitled to additional income in the form of lost earning potential and future lost income. Our legal experts will thoroughly review your records and fight for every penny you are eligible to receive.
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Will Travelers Pay me for Personal Days that were Paid by my Employer?

This is a very important question, as many claimants are tricked out of these essential payments. You can be sure that an insurance adjuster will never bring this up. If you’re the one who mentions it, they will likely insist that you’ve been paid to miss work already, so asking them to reimburse you for this time is “double-dipping.”

This is far from the truth, as paid time off like sick and vacation days, are solely to be used at your discretion. You should not have been forced to use up these benefits due to another party’s careless or reckless conduct. Furthermore, these are benefits that are tied to your job, and losing them is no different than losing any other form of job-related income. In short, you can recover the dollar value of any PTO (paid time off) that you had to use as a result of your accident.

Can Independent Contractors Receive Lost Income after an Accident?

Yes, you can ask Travelers for any income you’ve lost due to an accident if you are self-employed and do not earn a consistent wage. Freelancers and independent contractors may rely on the following documents to prove a case for lost wages:

• 1099 or any other tax form
• Income tax returns
• Statements from bank accounts and/or payment apps
• Contracts and invoices for completed assignments
• Proof of work you’ve missed out on due to your injuries

If you’re a delivery driver, content creator, or any other type of self-employed worker, contact us at our office for a free case review. We can help you gather the necessary evidence and ensure that you receive adequate compensation for your losses.

Why is Travelers Refusing to Reimburse me for Lost Wages?

If this is the first time you are filing an insurance claim, you expect that the process will be smooth and painless. Unfortunately, insurance companies care far more about their profits than they do about you, and they will go to great lengths to avoid paying out a claim. At the very least, they’re trying to settle your claim for the lowest possible amount. To accomplish their goal, here are some of the things they may tell you:

• They have to obtain a recorded statement from you (do not agree to this; contact a lawyer instead).
• Based on their investigation, you could not have sustained the injuries you are claiming from the accident.
• They are not obligated to pay you for personal days (PTO) that were already paid by your employer.
• If you don’t settle the case now, they will permanently rescind the offer (this is a common manipulation tactic).
• They cannot pay you any more based on the coverage limits (again, speak to a lawyer right away so that they can verify the policy terms).

Remember – Travelers knows how desperate accident victims are to get paid on their case. They have a lot of expenses they need to cover, and they are more vulnerable than ever due to the physical and emotional injuries from an accident. If you’re being taken advantage of by an insurance adjuster, you may be wondering, “What are my rights? Can I sue Travelers for refusing to pay for my lost wages?”

What can I do if Travelers won’t Compensate me for Lost Wages?

It can be stressful when you’re facing resistance from an insurance company, but legal actions are available to recover the funds you’re entitled to. We receive many inquiries about the option to sue an insurance company if they’re deliberately acting with the intent to deny you payment. This is known as insurance bad faith, and it can be grounds for a lawsuit against Travelers. Actions that justify a bad faith insurance lawsuit include:

• Denial of lost wages or other compensation you are entitled to without a clear, legitimate reason.
• Failing to wrap up an investigation in a timely manner, thereby holding up the claims process.
• Intentionally misleading or misinforming you of your rights or the policy terms of the insurance coverage.
• Consistently lowballing a settlement below what it reasonable (failing to negotiate in good faith).
• Demanding additional paperwork, evidence, etc., for the purpose of stalling and making you give up or accept their offer.
• Trying to talk you out of hiring an attorney, knowing their strategies won’t work once you retain legal representation.

Insurance companies rarely play their games when you have an attorney right from the start. But it’s never too late to contact us and ask for help if Travelers is attempting to take advantage of you. Our lawyers will act immediately on your case and do whatever it takes to recover your damages.

Speak to a Lawyer Experienced in Travelers Insurance Claims

Normandie Law Firm has decades of experience in accident injury claims, including slip and falls, auto accidents, assault and battery, Uber/Lyft accidents, and defective product injuries, just to name a few. Regardless of how you were injured, we are ready for the challenge of fighting for your rights. If you are new to the claims process with Travelers, we can provide answers to all your questions, which likely include:

• What is the average settlement value of an accident claim with Travelers?
• How long will it take to settle my case?
• What is the statute of limitations if I need to file a lawsuit?

Our lawyers are also here for you if you need advice on an existing injury claim. It’s not unusual for people to doubt their lawyer’s abilities or question whether their case is headed in the right direction. If you are in need of a second opinion, don’t hesitate to give us a call. Sometimes, switching your lawyer is the best course of action, but there may be other options that are available to you. Our goal is to help you make an informed decision and put you on the track to a favorable settlement. Contact us anytime for a free case review at our office.

Contact a California Personal Injury Attorney

Right now, you may be overwhelmed by an insurance company’s tactics and feel like there’s no way out. Our attorneys can help you succeed in a claim for lost wages and ensure that you are fully compensated for the harm you’ve suffered. Even more important, we will represent you for free as a promise under the Zero fee guarantee. You pay nothing to hire one of our experts, nor will you pay a single penny until we retrieve your settlement. Essentially, we don’t get paid unless we win your case; if we lose, you won’t be responsible for any legal fees.

Our law firm is here for you 24/7, so please reach out to us at your earliest convenience.

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