The extent to which an insurance company compensates the victim of an accident depends largely on the cost for having the victim’s injury assessed and treated. By the same token, some injuries are recognized as being more painful than others. Furthermore, some create a more persistent effect on the treated victim.
Soft tissue injuries
Insurance companies view strains and sprains as soft tissue injuries. Victims of a strain or sprain have suffered damage to a muscle, a ligament or a region of cartilage. When an insurer needs to value the damage caused by a soft tissue injury, then that head of the insurance company uses something called a low multiplier. In other words, the value represented by summation of the medical expenses becomes one factor in an equation where a small multiplier is the other factor.
Hence, someone with a minor injury does not have the ability to claim a high value of damage. Consequently, he or she does not receive a large compensation package, as per injury lawyer in Calgary.
Hard tissue injuries
An examining physician can note the presence of a hard tissue injury rather quickly. If conformation of the doctor’s observations becomes necessary, only a simple test, such as an x-ray is required.
Some hard tissue damage remains hidden, but does have an effect on the victim. For instance, a head injury might cause a victim to become unconscious for a brief period of time. Victims that have undergone such an experience should make that clear to the insurance adjuster.
A hard injury’s treatment demands a greater expenditure of effort than the treatment of a minor problem. That simple fact underscores another way that any one injury’s level of seriousness affects the victim’s compensation. A broken bone belongs in this category, but so does a separation or dislocation. Both tend to cause a great deal of pain.
Damage to the spinal column can hinder the movement of the injured victim. The more specific a doctor can be about the location and degree of the limited movement, the greater the victim’s chances for receiving a rather large compensation package.
When victims can offer a word-for-word account of what the examining doctor has said, the doctor’s observations, as included in the medical report, hold even more weight. In other words, each victim has the chance to highlight his or her right to request a large compensation.
Wounds do not have the same value as the other hard tissue injuries. Still, each of them provides more visible evidence of its presence, as compared to the visibility of a sprain or strain. Moreover, some wounds leave a scar, once they have healed. If that scar impacts the victim’s life then he or she ought to be compensated.