Proof of Damages Insurance Adjusters Will Likely Look For In a Car Accident Claim

If you have been involved in a car accident and are pursuing a claim for injuries, you will have to establish and prove your losses to the at-fault party’s insurance adjuster. It is not as simple as stating a settlement amount; you will have to establish liability, prove that your injuries are related to the accident, and verify other losses.

Documentation will be required before an insurance adjuster will begin the settlement process for your claim. If the insurance company is not satisfied with the evidence provided, it will likely affect the value of your case.

An experienced lawyer can be helpful in this regard and offer guidance as to collecting the documentation necessary to establish losses in your claim. The legal team at Frankl & Kominsky Injury Lawyers are available to assist you with your claim. We offer a free consultation and case evaluation 24 hours a day, 7 days a week.

Medical Bills

Past Medical Bills

One of the most primary losses are the medical bills that you have incurred as a result of your injuries in the accident.

All medical expenses that you incur must be properly documented. You must keep receipts and bills of the doctor appointments, medications, hospital stays, physical therapy, diagnostic testing and surgeries that you have had to go through.

Future Medical Bills

Not only are the past medical bills important but also the future ones. When it comes to some injuries, you might need post-surgical care or rehabilitative services to help you fully heal. These expenses must also be added to establish your damages. Any expected medical treatments and bills must also be accounted for when calculating the value of your case.

Medical Reports

Relationship between the medical bills and medical reports

The insurance adjuster will also review the medical reports and analyze the medical expenses to see if the costs seem justified or if they are unreasonably inflated. If the adjuster finds anything in the medical bills that does not correspond with the treatment suggested in the medical report, the adjuster could possibly completely ignore or disregard it in the calculation of the settlement. Each and every component of the bill must be supported by the medical report and treatment plan.

Causal Relationship between the Accident and Your Injuries

Proportionality between Injuries and Accident

The adjuster may carefully scrutinize the injuries you sustained to determine whether they were indeed a result of the accident or not. They may look to see if an injury was present before the accident or was not caused directly by the car accident.

Time Lag Between The occurrence of the Accident and Reporting of the Injury

The longer the time elapsed between the time of accident and time of seeking medical treatment, the more room it creates to question whether the injury in fact resulted from the accident. It is advised that you seek medical help right away, and if you don’t, be sure to have a legitimate explanation ready as to why you didn’t.

Prior Claims

If you have a history of filing prior injury claims or lawsuits filed in the recent past, expect the insurance adjuster to take some time to review the information. They will look into your previous claims and try to see if there are any injuries that you might have mentioned previously, indicating that they weren’t caused by the car accident or that they were a pre-existing medical condition.

Fact Check with Medical History

The adjuster will also review your medical history records and cross-checks your claims with what you recounted to the initial emergency medical provider. If something doesn’t add up, you can be asked to explain or provide more proof.

Wage Loss

Past Wage Loss

Wage loss is another factor in any claim lawsuit and will be included in the calculation of damages and ultimately your settlement. Wage loss can include the income they have lost out on as a result of the injuries, medical treatment and the time it took for it to heal.

You might have to give details of your workplace or employer so the adjuster can verify the number of days of absence, wage per day, and other details.

Future Wage Loss

Not only do car accident losses compensate for past wage loss, but also future ones. The injuries from the accident may cause you to miss out on workdays in the future too. These days should also be compensated for in the damages. Some people even lose the capacity to work in a similar role again and are compensated for the potential earnings they would have brought in if the accident did not occur.

How Can A Lawyer Help You?

A personal injury lawyer can assist you in recovering your rightful damages. Experienced attorneys can try to guide you accordingly so you can recover the maximum possible compensation that you deserve.

Frankl & Kominsky Injury Lawyers have a dedicated legal team who are experienced in car accident injury claims and lawsuits. They will gladly offer an initial consultation entirely free of cost, so you can discuss the specifics of your case and learn of your legal options and how to proceed.

Our lawyers are available 24/7 and can be reached at 855-800-8000 or through our website.

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