Getting injured is no laughing matter, and trying to claim compensation can seem to add insult to injury. Here are a few guidelines on how to win a back injury settlement. Sometimes fighting your corner and being awarded what is due to you can be difficult, but there are ways to make the process as simple and painless as possible. Be aware of the following points to give yourself a head start by knowing what to expect.
Don't start your claim for a back injury settlement with preconceived ideas or expectations regarding how much you may be awarded. Each case is judged, and settlement amounts reached on its own merit and the specifics of your case will be different to anyone else's. Start with that basic understanding to avoid disappointment further down the line.
Despite common beliefs, there is no standard back injury settlement amount. Some years ago it was true that a general rule of thumb used to assess a fair settlement was considered to be three times the cost of the medical bills, but this is no longer the case.
Assessing the level of injury requires detailed medical records and close examination of the facts before any back injury settlement amounts can be decided. Make sure you have a full medical assessment of your back injury and keep all the records. This type of assessment cannot be made over the phone, so be wary of assessors who tell you that it can.
Be aware that insurance companies may try to dispute your evidence in order to offer a lower settlement amount. Back injury can be one of the hardest to prove, particularly persistent back pain, and some insurance companies may try to exploit this. When assessing your back injury settlement entitlement, account should be taken of loss of earnings, present and future medical bills, your emotional distress as well as your suffering and pain, both now and in the future.
- Never make light of your back injury, but at the same time do not exaggerate it either. Always seek proper, qualified medical opinions and assessments. Try not to let yourself become discouraged whilst seeking a back injury settlement. You need to be patient and methodical. Insurance companies deal with a lot of fraudulent claims so do not take any contradictory comments personally - they are simply being thorough.
- Win a Back Injury Settlement