Besides botching up your body (and sometimes your love life), what else does the injury mean to you? It means a slew of financial costs, such as repairing your car, losing wages, a change in your lifestyle, a huge inconvenience, and short or long periods of pain and discomfort – all as a direct result of your injuries.
Plus, there’s a long list of possible medical expenses. Doctor/Chiropractor, Prescription Drug Bills, Ambulance, Emergency Room Care, Hospital or Clinic, Specialist and/or Dentist, Laboratory Fees and Services, Diagnostic Tests, X-Rays and (CT) Scan, Physical Therapy, Registered and/or Practical Nurse Fees, Gauze and Tape, Ace Bandages—all of which the insurance company must pay whether they like it or not!
Also, creams, lotions, ointments, balms, salves, etc. (Should the lady in your life apply any of these to your aching body, I’m sorry to tell you this, but her labor is not an expense you can claim.)
THE INSURANCE COMPANY MUST COMPENSATE YOU FOR ALL OF THE ABOVE: It’s true that a very small percentage of motor vehicle accidents cause big, serious injuries, but that doesn’t mean you shouldn’t be paid big, serious bucks!
Examination by the Insurance Company Doctor: Claims Adjuster Henry Hard-Nose of Rock Solid Insurance will usually try to pull a fast one, insisting he wants you examined by the physician of his choice, the local medical con-man of all time, Dr. Nuttin’ Wrong. Beware of such a request. Doctors assigned by the insurance company are notorious for stating, in the report, they’re paid big bucks to execute, “There is no objective basis” for your complaints.
You are not required to consent to be examined by Dr. Nuttin’ Wrong. Rock Solid Insurance cannot insist that you submit to their doctor for an examination unless your claim actually becomes a formal court case. So, hold your ground until your attending physician, Ole “Doc” Comfort, has released you. After that, it’s okay to agree to be examined because by then it’s too late! So much time will have passed that it will be impossible for Dr. Wrong to minimize the pain, discomfort, and suffering your injury has caused you.
What to do about your medical bills if you make the mistake of obtaining legal help from attorney I. M. Sharp Should yours be a case in which there’s no question that you’re not at fault, make it clear to the Legal Beagle you’ve hired, I. M. Sharp, Esquire, that you expect his contingency fee will not apply to that which he recovers for the damage to your car, your medical bills, and/or your payment for lost wages. You tell him that these are damages you would have received regardless of whether he handled the case for you or if you settled it yourself. Don’t you dare be foolish enough to hand him a huge percentage of what you were going to be paid by the insurance company, whether Attorney Sharp handled the case or not? To do so is the height of financial stupidity!
Your bodily injuries It’s a proven fact that the vast majority of motor vehicle accidents cause minor injuries. While bodily injury pain can be quantified, the limits of what you can tolerate cannot. Each of us has a different “pain threshold,” that is, the point at which we begin to feel physical pain. The amount and quality of pain you feel are not strictly dependent on the bodily injury inflicted. It has a lot to do with your previous experience, how well you remember it, and your ability to understand what caused you that pain and its consequences the last time around.
Stress and strain magnify physical pain, and personal anxiety will greatly increase it. There are also emotional reactions to the injury. A bodily injury is bound to cause some degree of mental distress. The duration and severity of an injury depend on a number of factors: the type of individual you are, the ultimate consequences of the injury you sustained, and the life stresses or strengths you’re experiencing at the time of your injury. (If you can’t stand her and she takes a powder, you’ll handle your pain better if you really dig the chick and she dumps you for your best friend.)
When it comes to muscle injuries, one thing you must keep in mind is that when one part of the body demands rest (by sending out a pain signal), without your even realizing it, you help your body by placing a new burden on other muscles. It gets complicated because, although those muscles may not have been directly injured in the accident, they can still get bugged up and produce a lot of pain because of their new role.
Disclaimer: The only purpose of this claim tip is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga nor (name the magazine/newsletter and/or website) make any guarantee of any kind whatsoever; nor do they purport to engage in rendering any professional or legal service, nor to substitute for a lawyer, an insurance adjuster, a claims consultant, or the like. Where such professional help is desired, it is the individual’s responsibility to obtain said services.
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