How Insurance Claims Adjusters Evaluate Your Medical Bills and Lost Wages
If you have been involved in an accident, an Irvine personal injury attorney may be able to help you deal with the insurance company of the person, persons, or company responsible for the accident. There are several factors that insurance claims adjusters look at when evaluating insurance claims. Here are some of them:
The cost and amount of your medical bills are important-the higher they are, the more your case will be worth. If the claims adjusters suspect your bills have been “goosed up” or administered by a medical treatment “mill” to deliberately inflate them, the insurer will balk at paying. To avoid this scenario, choose your treating doctor yourself instead of having your Irvine personal injury attorney choose, and have your treating doctor refer you to a qualified and board-certified specialist for continued treatment. Your insurer will also take into account your likely future medical bills, so have your attorney get a doctor’s estimate of your future treatments.
You should also document how much time from work you have lost as a result of your accident. Have your attorney obtain a written report from your doctor describing when you were disabled and a statement from your employer verifying your lost wages and absence from work. Without this documentation, the adjuster may refuse to include lost wages into your damages. Additionally, you might try to include future wage loss that comes from lesser earnings due to disability, future hospitalizations that will require more time off, and more physical therapy and treatment.
Contact Irvine personal injury attorney Samer Habbas if you have more questions about how to deal with your insurance company. The initial consultation is free of charge.