Factors Considered by Insurance Company in Resolving Personal Injury Cases

ppuser4 December 31, 2009December 20, 2013 Insurance

Insurance companies consider many factors in determining the amount of money that need to be settled in personal injury cases.

Most cases need proof of fault that can be found on intentional conduct, reckless conduct, or negligence. Most of personal injury cases are produced as a result of negligence. So, the injured person can only recover (protected) if his or her negligence is less than the negligence of the person against whom the demand is made.

Insurers analyze previous medical history
Pre-existing related illnesses or injuries
Earlier claims history
When the treatment following the injury began
Who referred the patient to the health care providers
What the original history and chief complaints given by the patient were
Subjective and objective physical findings on examination
Laboratory and radiological findings, the original diagnoses
The original treatment plan, follow-up treatment
The identity and credentials of the treating health care providers
The continuity or lack thereof in patient complaints and treatment
The length of the healing period