Insurance companies are in the business of making money. As such, they not only seek ways to minimize payout of claims, but are savvy of attempts to pad them with unnecessary expenses. While your personal injury attorney knows that you are honest and forthright, the insurance company doesn’t; it relies not on a claimant’s word but on supportive documentation.
It is important to keep in mind from the outset that expenses not backed by documentation in a claim will likely be disregarded. From the insurance company’s point of view, you are just another claimant; therefore, objective evidence of your injuries will be required. This does make sense if you consider the alternative: If, for instance, you claim that your medical bills total $23,500, how will the insurance company be sure that this figure is accurate without supportive documentation? Indeed, the question of how you arrived at this number will surely be raised.
Moreover, certain issues tend to raise the suspicion of insurers. If yours is a soft tissue injury, such as severe back pain, conventional medical tests such as X-rays may not be able to verify this. The insurance company may be reluctant simply to take the doctor’s word that you are truly hurt. Likewise, a few doctors are unscrupulous. Insurance companies maintain lists of doctors who tend to appear in personal injury claims on a suspiciously regular basis. Your doctor very likely is not one of the handful of bad apples, but if he happens to have treated multiple individuals who then filed personal injury claims, his credibility may be called into question.
Often, a person who has been injured in an accident is not able to work for a period of time. Any loss of wages reported in a claim needs to be substantiated by documentation from your employer. Your personal injury attorney will likely have secured a letter from your company verifying that you missed work. It is also necessary to obtain information regarding your income, hours you normally work and number of days missed.
Medical records constitute the single most important and costly portion of a personal injury claim. Without a complete record of your treatment, the insurance company will have no way of knowing what injuries you suffered, how severe they were or how far along in your recovery you have come. It is vital that you and your personal injury lawyer provide the insurer with all relevant records. Unfair as this may seem, ultimately the insurance adjuster’s position is going to be that if it is not verifiable through records, it likely didn’t happen.
Contact a Personal Injury Lawyer for Help
If you were injured in an accident due to another’s negligence, a dedicated and knowledgeable personal injury attorney may be able to help you gain compensation for medical bills, lost wages, pain, suffering and more.
Copyright (c) 2014 SLAPPEY & SADD, LLC
Why Complete Documentation In An Atlanta Personal Injury Claim Is Essential
Insurance companies are in the business of making money. They not only seek ways to minimize payout of claims, but are savvy of attempts to pad them with unnecessary expenses.