The value of a personal injury claim has a direct relationship to the amount of your medical bills. "Why"? You may ask. The answer to that is, "Because a claim with medical bills of $500.00 is worth three to five times more than a claim with $100.00, or less". And that’s a fact of life in the world of insurance claims.

The adjuster will reason if you were hurt badly enough to run up $500.00 in medical expenses than it’s correct to assume that your injuries must be substantial. But, if you see your chiropractor or physician only once or twice, and your final bills are in the vicinity of $100.00, the adjuster will assume you weren’t hurt too seriously.

DEMAND THAT ALL YOUR MEDICAL BILLS BE PAID: The adjuster may try to disallow a substantial part of your total medical expenses which he contends doesn’t qualify as “Medical” in character. He’ll often attempt to divide your medical costs into two arbitrary parts - - “Diagnostic” and “Treatment”. Within the “Diagnostic” category he’ll include items such as ambulance and emergency room costs, costs of X-rays, and other diagnostic procedures, plus visits to specialists. And the rest (principally costs of the hospital and regular office visits to doctors, physical therapy and medication) will be termed "Treatment”. The items that are categorized as “Diagnostic” expenses are the bills the adjuster would like to disallow as not being “Medical” types of activities.

Don’t let him get away with that! If he should attempt to pull this on you tell him, “It’s absurd and illogical to separate medical expenses into two arbitrary categories and designate one as Diagnostic and the other as Treatment. Each area works hand-in-hand with the other in medical practice. I can’t get properly treated without being diagnosed"!

He’ll gulp, because he knows what you say is true and that should put an end of such nonsense on his part.

“PERMANENT” AND/OR “TEMPORARY” DISABILITY: In discussing “Disability”. it’s important to develop a working knowledge of these two legitimate concepts. Commonly, personal injuries are classified as either “Permanent” or “Temporary”. These two terms are used basically to describe the anticipated duration of an injury, and not its degree of severity ! Thus, if an injury is conceived as one which would continue throughout the remainder of an individuals lifetime, it’s said to be “Permanent” in nature. Conversely, if there's a reasonable probably that the claimant will attain a full or complete recovery (within some future period in time) the injury is classified as “Temporary" - - regardless of how severe or extensive the injury might otherwise appear.

"TOTAL" AND/OR "PARTIAL" DISABILITY: Another common classification of “Disabilities” will relate to whether they are considered to be “Total” or “Partial”. These terms refer to the actual extent of the claimant’s injuries, to determine if they’re permanent or temporary in duration.

(1) TEMPORARY TOTAL DISABILITY: This is symbolized by a seriously injured person who is temporarily hospitalized or otherwise completely impaired, although he or she is expected to eventually regain full function.

(2) TEMPORARY PARTIAL DISABILITY: This is that period when, following the initial period of complete impairment of the seriously injured party (that period of “Temporary Total Disability”), the party will recover and will be able to resume formal activities.

(3) PERMANENT TOTAL DISABILITY: This describes a condition (usually applicable in the most sever cases, in which the injury produces a nearly total impairment to the body as a whole) - - again placing the emphasis both on the extent of the functional impairment and its duration.

(4) PERMANENT PARTIAL DISABILITY: This describes a condition where the injured party, (even after sustaining a permanent type of injury) still retains some substantial body function or earning capacity, with the emphasis centered on the extent of the functional impairment itself.

MEDICAL BILL COVERAGE’S: Read your Motor Vehicle Policy to discover if you have “Medical Payments Coverage”. Also check all your non-automobile insurance policies. You may have coverage(s) to pay your medical bills regardless of who was at fault. If you have a Health Insurance Policy and/or Health Plan of some sort, read the fine print. Your policy may not require you to pay back the medical bill payments made in your behalf - - even if you collect from the person who struck you!

DISCLAIMER: This article " ~ AUTO ACCIDENT MEDICAL BILLS ~ PLACING A VALUE ON YOUR PERSONAL INJURY INSURANCE CLAIM"  is intended for background information. Its only purpose is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga nor PERFORMANCE ARTICLES.COM make no 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, or claims consultant, or the like. Where such professional help is desired IT IS THE INDIVIDUALS RESPONSIBILITY to obtain it!

***************************************************************

Author:

Dan Baldyga has a lifetime of experience in motor vehicle accidents, personal injury and compensation. Over the years Dan has written several book’s on this subject matter. In his books, Dan reveals insurance industry secrets surrounding these types of claims. All the information necessary for you to deal with and handle the above issues are spelled out within the contents of AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) found on the internet at http://www.autoaccidentclaims.com or http://www.caraccidentclaims.com. This book also contains BASE (The Baldyga Auto Accident Settlement Formula). THE BASE FORMULA will tell you exactly how many dollars the "Pain and Suffering" you endured are worth

Copyright (c) 2004 By Dan Baldyga. All Rights Reserved

• Adjuster Henry Hard Nose And Your "Pain And Suffering"

• http://www.autoaccidentclaims.com
• http://www.caraccidentclaims.com

• Auto Accident Personal Injury Insurance Claim (How to Evaluate & Settle Your Loss)