How Do Insurance Companies Value Certain Injuries?

A Los Angeles personal injury accident, whether it is an auto accident, biking accident, slip and fall accident, or motorcycle accident, can be an emotionally and financially taxing experience. While you or a loved one might have thousands of dollars in medical bills, lost wages, and related expenses, the insurance company may not agree that…
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$4,970,000
Acuerdo conductor y autobús
Acuerdo conductor y autobús
$4,750,000
Frente a la colisión
Frente a la colisión
$4,000,000
Accidente de motocicleta
Accidente de motocicleta
$2,000,000
Resbalón y caída
Resbalón y caída
$1,560,000
Resbalón y caída
Resbalón y caída
$1,000,000
Mordedura de perro
Mordedura de perro

How Do Insurance Companies Value Certain Injuries?

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A Los Angeles personal injury accident, whether it is an auto accident, biking accident, slip and fall accident, or motorcycle accident, can be an emotionally and financially taxing experience. While you or a loved one might have thousands of dollars in medical bills, lost wages, and related expenses, the insurance company may not agree that all of those bills are actually related to the injury or recoverable.

How Does the Insurance Adjuster Reach a Number?

As an experienced Los Angeles personal injury lawyer will discuss, permanence is often the key word when it comes to an insurance adjuster’s evaluations of injuries. Also known as a claims adjuster, an insurance adjuster investigates insurance claims by interviewing the claimant and witnesses, consulting police and hospital records, and inspecting property damage to determine the extent of the insurance company's liability. An adjuster will generally verify that coverage applies through the insurance policy, investigate liability for the damages caused, and offer compensation to the injured person based on their emotional or physical property damages. The offered compensation amount is where many injury victims feel, validly, that the insurance company is trying to shortchange them.

Back to the idea of permanence and your injuries... If a doctor or medical professional has informed you or will testify on your behalf that the injury you sustained is permanent, this will increase the potential settlement value. In other words, injuries that heal quickly and leave no lasting impact on your life are not valued highly in terms of an adjuster’s settlement potential.

Permanent Injuries

Some permanent injuries include paralysis, disfigurements, and scarring. Scars in certain places, such facial scarring, will likely increase the potential value of your claim.  As for disfigurement, unfortunately it often leads to severe psychological problems such as negative body image; depression; and difficulties in one's social, sexual, and professional lives.

These are just a few of the injuries resulting from a personal injury accident that can lead to long-lasting or permanent pain and suffering. Each case is unique and it is important to discuss your potential for financial recovery with an experienced personal injury lawyer.

For a free, no obligation consultation, contact the experienced personal injury lawyers at Ghozland Law Firm today.

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Tenemos más de 40 años de experiencia en derecho laboral y de lesiones personales

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Nuestros abogados de empleo y lesiones personales reconocen que las personas con las que trabajamos normalmente pasan por momentos abrumadores y estresantes en sus vidas. Cuando una persona nos contrata, nos esforzamos por brindarle al cliente la representación legal sólida y el asesoramiento eficaz que necesita para recibir una compensación justa y equitativa. Nuestros abogados experimentados están dedicados a ayudar a nuestros clientes en sus momentos de necesidad. Nuestro equipo de empleo y lesiones personales está compuesto por abogados muy respetados que han estado involucrados en varios acuerdos multimillonarios, lo que nos valió ser miembros del Million Dollar Advocates Forum®. Esto demuestra aún más nuestra capacidad para abordar casos de accidentes complejos.

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Con más de 40 años de experiencia, hemos manejado muchos casos de resbalones y caídas. Puedo brindarle el calibre de servicios legales que normalmente solo están disponibles para grandes empresas, debido a mi experiencia en litigios a gran escala que han resultado en indemnizaciones de millones de dólares en muchas ocasiones. En 2014, Michael Ghozland fue nombrado "Luchador callejero del año" por los abogados del consumidor de California en 2014. Debido a mi excelente historial judicial, ganar su caso probablemente signifique obtener un acuerdo privado, sin necesidad de acudir a un tribunal. Las compañías de seguros conocen mi reputación y la mayoría preferiría llegar a un acuerdo antes que enfrentarme en una demanda por resbalón y caída.