Role of Treatment In Personal Injury Claim

The insurance company always looks at the mode of treatment, when attempting to determine the value of a given injury accident claim.

An insurer’s general approach

Normally, insurers group the cost of treatment and the cost for any diagnostic methods together. The physician-prescribed treatment gets valued more than treatment that was self-prescribed.

Method for valuing any session of physical therapy: Insurance assigns high value to session in doctor’s office. It assigns a low value to any session that takes place outside of a doctor’s office.

The insurer focuses on 2 of each treatment’s features

The reason for its administration

The kind of doctor that has treated the patient/claimant

—Insurance companies do not like to know that the payout money could get into the hands of a chiropractor.
—By the same token, such companies prefer to pay a medical doctor, instead of a practitioner of alternative medicine.

What would an insurance company view as an unacceptable reason for seeking treatment of an injury?

It would not want to offer a payout if the claimant had caused his or her own injury. In the same way, it would hope to reduce the payout’s size, if evidence had pointed to the existence of shared blame. Furthermore, insurance companies object to paying any claimant that has failed to mitigate the extent of his or her injuries.

The mitigation of any accident-linked injury begins on the day of that injury-causing incident.

That is why all accident victims should make a point of seeking medical assistance within the 24-hour period that followed that same incident.

The act of mitigating an injury entails more than engaging in the process of seeking medical attention. It also demands demonstration of an attempt to describe all of the injury’s symptoms. In other words, no victim should hesitate to tell a doctor about a certain symptom.

A doctor observing the effects of an accident’s forces might note the possible existence of slow-to-emerge symptoms. That observation could be noted in the medical records of the observed patient/victim. In the absence of such a notation, a victim that did develop slow-to-emerge symptoms would have no good way of linking any such symptom to the recent accident. As a result, the liable party could not be held responsible for creation of the late-appearing condition.

That would include any physical condition that was seen at the accident site, but later disappeared. For instance, maybe someone has told a given victim that he/she was unconscious for a spell, following the same victim’s involvement in a huge collision.

Personal Injury Lawyer in Lower Sackville would get the name and contact information for anyone that might have made such a comment. Such information would add to the facts that could be shared with an injury lawyer.

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