What are damages? This related to a sum of money that is claimed or awarded in compensation for a loss or an injury. If you have been injured due to the negligence of another person, you may be eligible for receiving damages to compensate for your losses. However, medical treatment plays a very large part in how much you are going to receive when it comes time for settlement. An injury damages formula will be used to arrive at a conclusion that depends upon the type of medical treatment you receives and the kind of medical providers from whom you receive treatment.
Of course, before you can begin the settlement process of a personal injury claim, you should always receive proper medical attention. This is a beneficial step not only to have documentation that you received the necessary treatment, but also because your doctor will be able to determine the type and extent of the injury and what is needed. When this determination is made, it will be easier to find out how much money you should include in a demand. A doctor will be able to assess the nature, severity, and duration of the injuries sustained. In the end, this proper medical treatment will help increase your overall settlement value.
One thing to consider during the initial treatment process is that there is a fine line between treatment and diagnosis. Before treatment actually happens, you must first be diagnosed. A diagnostic process can either be relatively speedy or very long and drawn-out. Most of the time an insurance company will lump all of your medical bills together into a medical specials amount. However, sometimes doctors will put you through a huge variety of tests and examinations to make a necessary diagnosis. This could run up very large medical bills and so an insurance adjuster may use a lower multiplier for medical bills to arrive at the appropriate range of damages in your particular case.
Where Physical Therapy Comes Into Play
Physical therapy tends to be a lower form of treatment than other kinds received. Physical therapy may be lumped in with your medical specials by an insurance adjuster if you have been prescribed a few week’s worth. However, if you have a couple of months of extensive therapy prescribed to you, then that therapy may account for the largest part of your medical bills. If this is the case, then the insurance adjuster will probably use a lower multiplier when applying medical specials to the damages formula. A difference is made, however, when you seek physical therapy on your own time and apart from a doctor’s office. If you seek therapy independently without recommendation or prescription, then an insurance adjuster may discount it because these therapists tend to treat patients endlessly.
The same can be said for things like chiropractors, acupuncturists, acupressurists, herbalists, massage therapists, and other non-physician healers. It is rare for a doctor to give a prescription to one of these places. The insurance adjuster healing your claim will more than likely not count these expenses.
The duration of your medical treatment plays a huge role in the matters of things. This is because, if an injury receives a long period of medical treatment, then the injury will require a long period to heal… and this, ultimately, will mean there was a high degree of pain and suffering involved. Though you may make a claim that the degree of pain and suffering was high due to long treatment, an insurance adjuster will usually be suspicious of physical therapists and chiropractors. They believe that they will give longer treatment than necessary to keep money rolling in. Therefore, insurance adjusters will probably not consider this good evidence toward the seriousness of your injury than if you had received a long period of treatment from a physician or a medical clinic instead.
If you feel like you have a strong claim after you received a personal injury, the first place you should turn is an experienced attorney. They will get to understand your case and know the ins and outs of what you can expect as far as compensation is concerned. Call WTW today to learn more about what you can do if you feel you have a case.