"Pain And Suffering"
He's fully aware of all there is to know about Hard Injuries vs. Soft Injuries. He's constantly in contact with the twisted, bruised, battered, pulled and snapped problems of pain that people must endure because of injured Tendons and Ligaments, Muscle Strain and/or Spinal Cord injuries.
Each and every day he's exposed to the wide range of problems that injured people must endure. These include Stress, Anxiety and/or Emotional Reactions. Hard-Nose is no dummy when it comes to comprehending the legal concept of "Pain and Suffering". His paycheck depends upon how well he understands these factors. Why? Because they're so dramatically involved in the amount of money that's paid out (when it comes to such matters) by the corporation he makes his living stonewalling for. "So", you ask, "exactly how does Henry Hard-Nose make his living"? The answer to that one is simple, "He's paid to manipulate injured people into ridiculously low settlement's".
Hard-Nose And Your Medical Bills: Adjuster Hard-Nose may try to Con you by telling you that many of your medical expenses don't qualify as "Medical" in character. He'll attempt to divide your medical costs into two areas - - one part "Diagnostic" and the other "Treatment". In "Diagnostic" he'll include ambulance and emergency room costs, the cost of X-rays, plus visits to specialists. The rest of your bills (usually the money paid out to the hospital emergency room and regular office visits to your doctor or chiropractor, physical therapy and medication) he'll term "Treatment". Those items he incorrectly identifies as "Diagnostic" are bills that Hard-Nose will try to disallow - - telling you that they're not "Medical" in nature.
He knows, if he can get away with doing this, the value of your claim will have been drastically reduced, because the bottom-line amount of your "Special Damages" has been dramatically downgraded. Hard-Nose will contend that only the "Treatment" portion of your bills are "directly related" to the severity of your injury, therefore that's what truly reflects the value of your "Pain and Suffering".
Don't let him get away with that! Demand full inclusion of ALL medical bills. WHY? Because your personal injury claim will be drastically reduced in value.
Talk to Adjuster Henry Hard-Nose, conjuring up all the authority you can muster and tell him, "Legally speaking you can't separate medical expenses into two categories. Each bill I have goes hand-in-hand with all the others. It would be impossible for me to get properly treated without being thoroughly diagnosed and, even more important than that, I can't place a value on my personal injury claim until all my Special Damages have been correctly assessed".
When he hears that Hard-Nose will blanch and gulp! Why? Because he knows what you're telling him is true. He'll suddenly become aware that you understand how to go about placing a value on your "Pain and Suffering". That should and will, put an end to his nonsense.
~~~~~Dan Baldyga's fourth and latest book Auto Accident Personal Injury Insurance Claim: (How To Evaluate And Settle Your Loss) can be found on the Internet at http://www.autoaccidentclaims.com. This book reveals "How To" successfully handle your motor vehicle accident claim, so you won't be taken advantage of. It also goes into detail regarding the revolutionary BASE (The Baldyga Auto Accident Settlement Evaluation Formula).BASE explains how to determine the value of the "Pain and Suffering" you endured because of your personal injury.
DISCLAIMER: The only purpose of this claim tip is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga, Vince Ciulla nor About.com make any guarantee of any kind whatsoever; NOR do they purport to engage in rendering any professional or legal service; NOR to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired it is the INDIVIDUAL'S RESPONSIBILITY to obtain said services.
Copyright (c) 2005 by Daniel G. Baldyga All Rights Reserved