A little advice: if you ever get in a car accident, call a personal injury attorney before talking to the insurance company. When most people get injured they don’t always realize the following: 

  • Insurance adjusters are not your friend
  • Insurance adjusters do not have your best interest at heart
  • Insurance adjusters will put forth substantial effort to pay as little for your claim as possible  

Your attorney will be able to walk you through the full process and advise you of what steps to take to ensure you are justly compensated.

Insurance Adjusters

The insurance adjuster’s job is not to accept your assessment of damages at face value.  Their job is to investigate your claim and limit compensation for your injuries when your injuries are unsubstantiated, not visible, and/or possibly unrelated.

That said, if you are injured in a car accident, it is critical that you seek medical treatment.  First and foremost, to ensure you receive the necessary care for your injuries. But also, to prove to insurance adjusters that you were indeed injured and needed treatment.

Measuring Damages

It is difficult to place a dollar value on the extent of a person’s suffering.  But that is exactly the calculation an insurance adjuster needs to perform. 

This is where medical treatment plays a big role. We know it is not a perfect measurement because the cost of medical care can in no way encapsulate the fear, frustration, inconvenience, and physical pain that an injured person experiences on a daily basis.  

 However, the cost of relieving those symptoms serves as a tool for the adjuster. They provide a measurement of value for the period of time the claimant is undergoing treatment. The insurance company will argue that medical treatment and the cost of those services serves as an objective, quantifiable measure of damages associated with the injuries. Therefore, the cost of the actual medical care received, plays an important role in the final settlement offer.

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