Tag: Insurance adjusters

How Insurance Adjusters Value Types of Injuries

How Insurance Adjusters Value Types of Injuries

There are many factors that can affect the value of a personal injury claim, but none that have a greater influence than the victim’s injuries. The amount of compensation that you are awarded for medical bills and lost wages will be calculated based on the evidence that you provide of these expenses and losses. But, the amount that an insurance adjuster is willing to pay for pain and suffering will depend on how serious he perceives your injuries to be. Insurance adjusters place different values on certain types of injuries that could affect how much you are able to recover for your pain and suffering. Here’s what most insurance adjusters think of these common injuries:

Soft Tissue Injuries

In general, insurance adjusters place a lower value on soft tissue injuries than they do on many other common types of injuries. This is because doctors rely heavily on the victim’s description of his pain and discomfort when determining the severity of a soft tissue injury. As a result, insurance adjusters often argue that the victim is exaggerating the extent of his injuries. Even though insurance adjusters place a lower value on soft tissue injuries, victims with these injuries can usually still recover pain and suffering damages.

Broken Bones

Many personal injury victims suffer broken bones as a result of the defendant’s negligence. A broken bone can easily be proven with X-rays, which means insurance adjusters cannot doubt its existence. The value that an insurance adjuster places on this type of injury varies depending on the severity and location of the break. For example, it’s easy for an insurance adjuster to understand why a broken leg would impact the victim’s life, but he may not understand why a broken finger would. Therefore, the insurance adjuster would place a higher value on the broken leg than the broken finger.

Spinal Cord and Brain Injuries

Insurance adjusters typically view spinal cord and brain injuries as the most serious injuries that a victim can sustain. Not only are these injuries expensive to treat, they can also significantly reduce the quality of the victim’s life. For this reason, it is less difficult to prove that a victim has experienced a great deal of pain and suffering as a result of his spinal cord or brain injuries.

If you have been injured as a result of another person’s negligence, contact Reisch Law Firm for help. Our personal injury attorneys will fight tirelessly to prove the severity of your injuries to the insurance adjuster so we can recover the compensation that you deserve. Schedule a free consultation today by calling 303-291-0555 or filling out this online form.

Common Settlement Tactics Used by Insurance Adjusters

Common Settlement Tactics Used by Insurance Adjusters

If you are a personal injury victim, at some point you will probably have to deal with an insurance adjuster from the at-fault party’s insurance company. An insurance adjuster is responsible for gathering evidence related to the incident, calculating the value of your claim, and negotiating a settlement with you. Unfortunately, insurance adjusters do not have your best interests in mind. Their goal is to get you to settle for as little as possible so they can save the company money. Here are some of the common settlement tactics used by insurance adjusters to accomplish this goal:

Recorded Statement

The insurance adjuster may contact you and ask you to make a recorded statement regarding the incident that led to your injuries. This may seem like a harmless request, but it’s not. If you agree to make a statement, anything that you say could be twisted around and used against you. Even something as minor as saying “I’m fine” when the insurance adjuster asks “How are you?” could be used as evidence that you are not really injured. Do not answer any questions or speak about your injuries until you have talked to an attorney.

Delaying the Settlement

Insurance adjusters are also known to delay the settlement by requesting information that they do not need in order to make an offer. By delaying the resolution of the case, the insurance adjuster hopes that you will become fed up with waiting and agree to accept a settlement that is lower than what you deserve.

Medical Authorization Forms

At some point, the insurance adjuster may ask you to sign a medical authorization form so he can obtain your medical records related to the accident. What he may forget to tell you is that by signing this form, you give the insurance adjuster access to all of your medical records, not just those that are associated with the accident. The insurance adjuster will use immediately begin looking for evidence that you had a pre-existing condition that limits the amount of compensation you are able to recover. Keep your medical history private—don’t sign anything without speaking to an attorney.

Be Nice

You may be surprised at how friendly the insurance adjuster is towards you, especially if you’ve been warned about negotiating with an insurance company. But, this is all an act. The insurance adjuster will continue to be nice to you so you don’t feel threatened enough to hire an attorney.

Don’t let these settlement tactics affect the outcome of your personal injury claim. If you have been injured, contact Reisch Law Firm at once. Our attorneys will communicate with the insurance company on your behalf so the insurance adjuster does not have the opportunity to use these tactics on you. Schedule a free consultation today by calling 303-291-0555 or filling out this online form.