After an insurer has assigned a given claim to one of the insurance company’s adjuster, that same adjuster tries to determine the claim’s value. The greater the amount of money that was spent on assessing and treating the reported injury, the greater the value of the submitted claim.
Claimants that endure a greater degree of pain should expect a larger compensation.
Evidence of pain forces the insurance company to place a larger number in one particular slot of the formula that is used for determining a claim’s value. The adjuster needs to have a starting point for that determination. The figure obtained by using a set formula provides adjusters with that desired starting point.
Insurance companies place a higher value on hard injuries, than on soft injuries.
Soft injuries normally involve a sprain or strain in a muscle, a ligament or a section of cartilaginous tissue. The injured patient must describe the level of his or her discomfort. Because soft injuries are usually not permanent or dangerous, each of them has a low value in the eyes of the insurance company.
Today, doctors can detect the presence of a hard injury by using a medical test or examination. In light of such powerful evidence, insurance companies must place a higher value on hard injuries. The injuries’ value becomes even greater, if assessment of the injury calls for utilization of an intrusive examination, or if the treatment calls for introduction of physical repairs.
A listing of hard injuries would include mention of broken bones, dislocation or tear to a ligament or a muscle, an open would, a spinal injury and a head injury. Thanks to creation of the CT scan, the existence of a head injury can be detected with greater ease today, than it was in the past.
Still, the symptoms that are associated with damage to the skull or the brain have been known to disappear and then recur. Thus, the presence of even mild symptoms should get noted in a claimant’s medical report. That approach helps to alert an adjuster to the value of a claim that has been submitted by someone with a head injury.
The other approach relates to the fact that damage to the skull or brain could result in recurring symptoms. In other words, the disappearance of early mild complaints might not signal the patient’s attainment of maximum medical improvement (MMI).
Hence, any injury lawyer in Lloydminster or the accident victims that suspect damage to the brain or the skull should refuse an early offer from the insurance company. Instead, each of them should work closely with their doctor, to monitor the frequency, intensity and duration of any symptom, even one that the patient views as quite mild.