Insurance claim: information and medical expenses
Nothing has a greater impact on the evaluation of a personal injury insurance claim than the damage done to your body, the medical bills that are a direct result of that injury, and the “pain and suffering” you were forced to endure. to deal.
Besides messing up your body (and sometimes your love life), what else does the injury mean to you? It means a ton of financial expense, including repair to your car, lost wages, an impact on your lifestyle, tremendous inconvenience, and short or long periods of pain and discomfort, all as a direct result of your injuries.
In addition, there is a long list of possible medical expenses. For example: doctor/chiropractor, prescription bills, ambulance, emergency room care, hospital or clinic, specialist and/or dentist, lab fees and services, diagnostic tests, x-rays and CT scans, prosthetics or appliances surgical (canes and crutches), physical therapy, RN and/or practical fees, gauze and tape, Ace bandages, all of which the insurance company has to pay for whether they like it or not!
Also, Creams, Lotions, Ointments, Balms and Ointments, etc. (If the lady in her life applies any of these to her aching body, I’m sorry to say this, but her work is not an expense she can claim.)
YOU SHOULD BE COMPENSATED BY THE INSURANCE COMPANY FOR ALL OF THE ABOVE: It’s true that a very small percentage of car accidents cause large and serious injuries, but that doesn’t mean they shouldn’t pay you big bucks!
EXAM PERFORMED BY INSURANCE COMPANY DOCTOR: Rock Solid Insurance claims adjuster Henry Hard-Nose will usually try to make a quickie by insisting that you want to be examined by the doctor of your choice, local medical scammer of all time, Dr. Nuttin’ wrong. Beware of such a request. Doctors assigned by the insurance company are known to claim, in the report that they are paid a lot of money to perform, “There is no factual basis” for their complaints.
You do not have to agree to be examined by Dr. Nuttin’ Wrong. Rock Solid Insurance cannot insist that you go to your doctor for an exam unless your claim becomes a formal court case. So, hold your ground until your treating doctor, Ole “Doc” Comfort, has released you. After that, it’s okay to agree to be tested because by then it’s too late! So much time will have passed that it will be impossible for Dr. Wrong to minimize the pain, discomfort and suffering caused by his injury.
WHAT TO DO WITH YOUR MEDICAL BILLS IF YOU MAKE THE MISTAKE OF GETTING LEGAL HELP FROM ATTORNEY IM SHARP: If yours is a case where there is no doubt that you are not at fault, make it clear to the Legal Beagle you have hired, IM Sharp, Esquire, who hopes his contingency fee will not apply to what he recovers for damage to his car, his medical bills and/or his pay for lost wages. You tell him these are damages you would have collected ANYWAY, whether he was handling the case for you or if you settled it yourself. He didn’t dare be so foolish as to hand over a large percentage of what the insurance company was going to pay him, whether or not Lawyer Sharp took the case. Doing that is the height of financial stupidity!
YOUR BODILY INJURIES: It is a proven fact that the vast majority of car accidents cause minor injuries. While bodily injury pain can be specifically measured, the limits of what you can bear cannot. Each of us has a different “pain threshold,” that is, the point at which we begin to feel physical pain. The amount and quality of pain you feel does not strictly depend on the bodily injury inflicted. It has a lot to do with your previous experience, how well you remember it, and your ability to understand what caused you that pain and its consequences last time.
Stress and tension magnify physical pain, and personal anxiety will greatly increase it. There are also emotional reactions to injury. A bodily injury is bound to cause some degree of mental anguish. The duration and severity depend on a number of factors: the type of person you are, the ultimate consequences of the injury you sustained, and the stresses or stresses of life you are experiencing at the time of the injury. (If you can’t stand her and she gets laid, you’ll handle your bread better if you really like chicks and I’ll leave you for your best friend)!
When it comes to muscle injuries, one thing to keep in mind is that when a body part demands rest (sending a pain signal), and without your realizing it, you help your body by placing a new load. in other muscles. It’s complicated because even though those muscles may not have been directly injured in the accident, they can still become fat and painful due to their new function.
DISCLAIMER: The sole purpose of this claim advice is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga nor ( ??? ) make any warranty of any kind; NOR are they intended to engage in the provision of any professional or legal service, NOR to replace a lawyer, insurance adjuster, claims consultant or similar. When such professional help is desired, it is the RESPONSIBILITY OF THE INDIVIDUAL to obtain such services.
Dan Baldyga’s latest book, AUTO ACCIDENT PERSONAL INJURY CLAIM (How to Evaluate and Settle Your Loss) can be found online at http://www.autoaccidentclaims.com or visit your favorite bookstore.
Copyright (c) 2002 by Daniel G. Baldyga. All rights reserved