When you are the victim of a car accident, our doctors understand you need treatment without the stress and concern of having to pay for your costly medical bills.
If a negligent driver caused your crash, they should be responsible for all of your accident related expenses.
There can be many factors that affect your final settlement amount.
The main factors a personal injury attorney and an insurance adjuster will take into consideration are the financial costs of:
- Doctor Visits
- Medical Treatments
- Prescription Medicine
- Lost Wages
- Pain and Suffering
- Permanent Disfigurement or Disability
- Emotional Damage
- Property Damage
- Other Documented Expenses
Documented expenses, like property damage and medical bills, are obviously pretty straight forward to calculate. However, putting a price on pain, suffering, and emotional damage is near impossible.
Therefore, there are two systems that are often used by insurance adjusters and personal injury attorneys to calculate the deserved monetary compensation.
These two systems used to calculate damages are a pain multiplier system and a per diem system.
Per Diem System: If this system is being used, a value will be determined for each day a victim suffered. This determined value will then be multiplied by the total number of days the victim suffered.
Pain Multiplier System: When this system is used, the amount of money from medical bills, lost wages, and other documented expenses are multiplied by a number between 1.5 and 5. This number is determined based upon the amount of suffering the victim underwent.
One last factor taken into consideration by the insurance adjusters is the insured’s policy value.
In many cases, the liability coverage has a maximum amount of money that the insurance company will be responsible for paying out when an accident occurs.
This means, no matter the total documented costs or circumstances of the accident, the insurance company is only responsible for paying that maximum amount and will never have to pay out more.
A doctor, or chiropractor, can play a huge role in determining your settlement outcome.
That is why it is crucial to see a doctor immediately after an accident.
This is not just for your health and well-being, but for the benefit of your injury claim and lawsuit.
When you see a chiropractic doctor following your accident, they can quickly diagnose your injuries and pain symptoms, and provide a continuous treatment plan to help return you to optimal health.
It is your doctor's responsibility to document all of your pain symptoms in detail, provide records of your injuries, pain, suffering, and treatment plans.
They can help total the amount of pain and suffering your injuries caused you, in addition to the total cost of your treatment and medical bills.
The chiropractic doctors at Arrowhead Clinic specialize in helping accident victims return to full health and receive the compensation they deserve in their settlement.
Call the professionals today if you want to obtain the money you deserve for your accident injuries.