When settling a personal injury claim, people often approach this process with a trifecta in mind - the victim, the insurance company, and the negligent party. Insurance settlements have four key players, with the missing link being the medical provider.
After the accident, a physician is there to help restore your health and give you back a sense of normalcy, but these professionals are also there to validate your claims. Learn how a medical professional impacts your case.
There are few situations in life more perplexing than settling an injury claim. An accident victim could have broken bones and other evident injuries caused by accident by a negligent driver, but before their claim is processed, the insurance company will require a thorough injury diagnosis.
Without this step, the claim simply does not move forward, and even an incorrect diagnosis can have real consequences. The injury diagnosis is generally the first role of the provider, and the most critical one, as the entire claim, will be structured based on this information. Keep in mind that the accident victim plays a crucial role in this step as well.
Medical technology has advanced, but there are still ailments that a blood test or X-ray can't pick up. During this phase, it is essential that the victim provide as much information to their provider as possible so that they can give the most accurate assessment. No detail is too small to be overlooked; share everything about the way you're feeling.
Commitment to Treatment
Insurance companies want to see progress. Once they're provided with details about your injuries, they start looking ahead towards recovery. As harsh as it may sound, the goal for these companies is to settle claims for as little as possible, and the more your health improves, the easier this goal is.
At the same time, if it's discovered that a victim is not playing an active role in their recovery, the insurance company will use this information against them to lower the value of their claim or have it outright dismissed.
It's critical for victims to remember that medical providers are mandated reporters that follow strict ethical codes, which means they will not provide false information on your behalf. When a victim is not adhering to the prescribed treatment plan, the provider will document this information and submit it to the insurance company.
Whether it's a formal report or a review of the physician's notes, the insurance company will find out how dedicated you are to your own recovery.
For many accident victims, long-term complications are the unfortunate reality. Often time, victims are so focused on their current condition that they forget just how significant of an impact their injuries may have on their future.
Injuries that affect a victims' ability to earn a living, raise mobility concerns, or cause permanent damage such as infertility, generally fall into this category. It is the role of the physician overseeing your case to assess your condition and conclude a long-term prognosis, which is critical. Without this information, you run the risk of settling your case below its value.
Instead of receiving compensation for the medical treatments you need today, and in the future, you could be left with a partial payment. A medical provider will assess your condition and testify on your behalf to ensure receive fair compensation.
The theme to remember is that your physician plays an important role, but that you play an equally important supporting role. At the Law Office Of Randy C Slone, we understand the critical roles played, and we use this knowledge to educate and encourage our clients to share as much information with their provider as they can.
If you were injured in a motor vehicle accident, contact us for help.