Medical Costs can affect a claims Values

Lawsuits – Claims

Medical Costs Affect Claim Values

Valuing a claim is one of the more difficult jobs that a successful injury attorney must undertake.  However, it is also one of the most important.  Value a claim too low and you may leave potential funds on the negotiating table.  On the other hand, value a claim too high and you can either significantly delay the resolution or, in the worst case scenario, drive the insurance company away from the bargaining table completely and miss out on otherwise available funds.  Accordingly, claim valuation is very important and an accomplished car accident attorney should be proficient at doing so.

One of the most significant factors when attempting to put a value on a personal injury claim, especially one arising from a car accident, is the reasonable value of the medical services that were required to treat injuries sustained in the accident.  At first blush, this would seem to make sense too, as an injury that requires $500 of doctors treatment would generally be much less severe than one requiring $50,000 of treatment .  Accordingly one might expect, and rightfully so, that the claim on the latter would worth more based upon the all of the pain, loss of use, effects on the injured party and his or her family, etc.  In fact, this is often the case.  However, merely looking at medical bills is only the beginning of the analysis and a detailed investigation must be completed to ensure that the claim is properly evaluated.

To begin with, the question often arises as to what the true medical expenses are.  As we discuss here (link), an estimate of what a future medical procedure costs, can be quite different from what it actually costs.  To further complicate matters, the amounts charged, if paid by insurance or a government source, are often dramatically different than what is paid.  So even determining the reasonable value of the services provided can be quite an exercise to begin with.

Further, insurance companies value different services differently.  So for example, a $5,000 surgery is viewed by an insurance company quite differently than $5,000 in chiropractic treatment.  Further, $5,000 in diagnostics or, in other words, trying to find out what the problem actually is e.g. x rays, an MRI, C/T Scan, is often valued differently than $5,000 in physical therapy treatment.  Accordingly, the accomplished auto accident attorney will delve into the specifics of the treatments billed, and not just the costs of such treatments.

It is also very important to note that there are more damages than just medical bills.  While medical bills can be a significant contributing factor, say a $15,000 surgical procedure, what if the procedure has the injured on bed rest for 6 months?  What if this person is the major bread winner in the family and would have made $20,000 in commissions per month at his sales job but for this accident occurring.  In this instance, the medical bills might well be much less important than other damages, such as lost wages.  As a result, investigating all damages incurred can be every bit as important as obtaining medical expenses.

So what is the injured car driver to take from all of this?  Mainly, your health and welfare should be your primary concern, the claim is always secondary to your health.  It is most important that you seek necessary treatment if you are injured.  It is very difficult if not impossible to make a claim for a significant injury that was never treated and therefore cannot be corroborated.  Conversely and as opposed to the sometimes popular notion that you can just act injured and be compensated, a medical professional is going to be able to discover if there is an underlying medical issue.  So attempting to obtain a diagnosis that does not exist, not only does no good but can actually hurt your claim.  The best course of action then, is to play it safe and get checked out, even get a second opinion if really necessary.  If you truly are injured then a competent medical professional will be able to diagnose the issue the majority of the time, or at least determine what diagnostic steps need to be taken.  Also, make sure you follow through with any additional recommendations or prescriptions given.  This is once again important not primarily for your claim but for your health.   Your health should be your number one priority.  It will be for your family.  And don’t be surprised that if you don’t feel an injury is severe enough to seek or continue treatment, neither will an insurance company or a jury.

The Spokane, Washington Law Firm of Robert Hahn is one of the leading firms in the area of Personal Injury Law. Our personal Injury clients have the peace of mind in knowing that their case is being handled by an experienced Plaintiffs injury attorney. Our aggressive representation and extensive experience has earned the firm of Robert C. Hahn, III, a stellar reputation for excellence in the representation of injured people.  Robert Hahn’s goal is to provide excellent service by a highly experienced lawyer and legal professionals at an affordable fee.

After helping hundreds of injured people ranging from complex litigation to simple settlement of claims in Spokane and surrounding areas, Spokane Attorney Robert Hahn has the background to explain your alternatives and suggest a solution to your injury difficulties.If you are considering hiring a personal injury attorney, make sure that the attorneys you are considering practice in personal injury law because you need a law firm that deals with these issues on a daily basis.

Our attorneys represent clients in Western Washington, Spokane, Washington and other Eastern Washington communities, including Cheney, Clarkston, Colfax, Colville, Davenport, Ephrata, Moses Lake, Newport, Odessa, Pullman, Ritzville, Republic, Ione, Chewelah, Newport, Metaline Falls Wenatchee, Seattle, Spokane, Yakima and Walla Walla. Our attorneys also represent clients in North Idaho, including Bonners Ferry, Coeur d Alene, Hayden, Lewiston, Moscow, Post Falls, Sandpoint, Wallace, Priest River, Plummer, St. Maries and Potlatch. Our lawyers work in all Spokane County, and surrounding Spokane areas, including Downtown Spokane, North Spokane, South Spokane, East Spokane and West Spokane court systems. Our laywers practice in the Spokane Superior Court, Spokane District Court, Spokane Municipal Court, and the Spokane Valley Municipal Court systems.

For those in need of an injury attorney in Spokane, Robert Hahn represents clients for personal injury, spinal injury, traumatic brain injury, whiplash injury, wrongful death, soft tissue injury, workplace injury, construction injury, injuries to children, serious catastrophic injuries, burn injuries, dog bite injury, animal injuries. Many accidents cause undiagnosed long term permanent damages like, ear injuries, eye injuries, head injury, ankle injury, foot injury, leg injury, hip injury, shoulder injuries, arm injury, elbow injuries, knee injury, fractured pelvis injury, fractures hip injury, broken hip injury, paraplegia, paralysis, burst fracture, herniated disc injury, back injury, spinal fusion, laminectomy injury, head injury, skull fracture, concussions injury. If you are in the need a lawyer in Spokane for a permanent injury, playground injuries, daycare injuries, nursing home injury or abuse, medical malpractice, negligence, insurance claims or insurance disputes contact a lawyer at our Spokane law firm by using the contact us button above. Spokane attorney Robert Hahn represents clients injured in an auto accident, truck accident, construction accident, pedestrian accident, fatal accident, accident caused by cell phone use, commercial truck accident, semi-truck accident, and 18-wheeler accidents. Our lawyers focus on rear-end car collisions, intersection car collision, t-bone car collision, motorcycle collision, drunk driving auto accident, teen car driving accident, boating accident, slip and fall accident, school bus accident, car or truck roll over accident, accident cause by a negligent driver, interstate accident, highway accident, multiple car accidents. If you are in need of a lawyer in Spokane for a side impact car collision, garbage truck accident, commercial bus accident, long haul truck collision, railroad crossing accidents, train accident, mining accident, lumber mill accident, logging accident, improperly marked crossing accident, design defect caused accidents, car malfunction, auto malfunction, motorcycle malfunction, single vehicle crash, multiple vehicle crash, driver error crash, employer negligence accident, third party liability claims, or insurance claims or insurance disputes, contact a lawyer at our Spokane law firm by using the contact us button above.