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MEDICAL INSIGHTS AND EXPENSES
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There’s nothing that has a greater impact on evaluating a personal injury insurance claim than the damage done to your body, the “pain and suffering” you were forced to deal with, and the medical bills that are a direct result of that injury.
Besides botching you up (both your body and sometimes your love life) what else does the injury mean to you? It means a ton of financial expense’s, including repairing your truck, lost wages, a shock to your life style, a tremendous inconvenience and short or long periods of pain and discomfort - - all of it a direct result of your injuries.
Plus, there's a long list of possible medical expenses. For example: Doctor/Chiropractor, Prescription Drug Bills, Ambulance, Emergency Room Care, Hospital or Clinic, Specialist and/or Dentist, Laboratory Fees and Services, Diagnostic Tests, X-Rays and (CT) Scan, Prosthetic Appliances or Surgical Apparatus (Canes & Crutches), Physical Therapy, Registered and/or Practical Nurse Fees, Gauze and Tape, Ace Bandages all of which Careless Insurance Corporation must pay whether they like it or not!
Also, Creams, Lotions, Ointments, Balms and Salves, etc. (Should the lady in your life apply any of these to your aching body I'm sorry to tell you this but her labor is not an expense you can claim).
YOU MUST BE COMPENSATED BY CARELESS INSURANCE FOR ALL OF THE ABOVE: It's true that a very small percentage of motor vehicle accidents cause big, serious injuries but that doesn't mean you shouldn't be paid big, serious bucks!
EXAMINATION BY THE INSURANCE COMPANY DOCTOR: Claims Adjuster I. M. GonnaGetcha of Careless Insurance Corporation will usually try to pull a fast one by insisting that he wants you to be examined by the physician of his choice, the local medical con-man of all time, Dr. Nuttin' Wrong. Beware of such a request. Doctors assigned by the insurance company are notorious for stating, in the report that they're paid big bucks to execute by Careless Insurance, that "there are no objective basis" for your complaints.
You don't have to agree to be examined by Dr. Nuttin' Wrong. Careless Insurance cannot insist that you submit to their doctor for an examination unless your claim actually becomes a formal court case. So, hold your ground until your attending physician, Ole “Doc” Comfort has released you. After that it's okay to agree to be examined because by then it's too late! So much time will have passed it will be impossible for Dr. Wrong to minimize the pain, discomfort and suffering your injury has caused you.
WHAT TO DO ABOUT YOUR MEDICAL BILLS IF YOU MAKE THE MISTAKE OF OBTAINING LEGAL HELP FROM ATTORNEY I.M. SHARP: Should yours be a case in which there's no question that you're not at fault, make it clear to the Legal Beagle you've hired, I.M. Sharp, Esquire, that you expect his contingency fee will not apply to that which he recovers for the damage to your truck, your medical bills, and/or your payment 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 handled it yourself. Don't you dare be foolish enough to hand him a huge percentage of that which you were going to be paid by the insurance company, whether Attorney Sharp handled the case or not. To do so is the height of financial stupidity!
YOUR BODILY INJURIES: It's a proven fact that the vast majority of truck related accidents cause minor injuries. While bodily injury pain can be specifically measured the limits of what you can endure (other than how many times you and your lady friend can take a roll in the hay in a twenty four hour period) 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 is not strictly dependent on the bodily injury inflicted. It has a helluva 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, the last time around.
It's a medical fact that stress and strain magnify physical pain as can personal anxiety greatly increase it. There are also emotional reactions to the injury. A bodily injury is bound to cause some degree of emotional response. The duration and severity of the relation depends on a number of factors: The type of individual you are, the severity and health consequences of the injury you sustained, and the life stresses or strengths you're experiencing at the time of your injury. (If you can't stand your live-in lady and she takes a powder you're gonna handle your pain better if you really dig the chick and she chugged off with your best friend in your new truck)!
When it comes to muscle injuries one thing you outta keep in mind is that when one part of the body demands rest (by sending out a pain signal) without you're even realizing it, you help your body by placing a new burden on other muscles. It gets complicated because although these muscles may not have been directly injured in accident, they can still get buggered up with the pain because of their new role.
DISCLAIMER: The only purpose of this "how to" insurance claim article Medical Insights And Expenses is to help people understand the motor vehicle motor vehicle accident claim process. Neither Dan Baldyga nor Truckinfo.net make any guarantee of any kind whatsoever; NOR do they purport to engage in rendering any professional or legal service, NOR to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired it is the INDIVIDUAL’S RESPONSIBILITY to obtain said services.
To learn more about how to handle and evaluate your motor vehicle accident claim, read Dan Baldyga’s latest book AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss). It can be found on the internet at http://www.autoaccidentclaims.com or your favorite bookstore.
Copyright (c) 2002 by Daniel G. Baldyga. All Rights Reserved
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