Insurers Prefer Specified Damages and Bills

When filing your personal injury claim, a First Coast personal injury attorney can tell you how to achieve the best result and convince the insurance company of the seriousness of your injuries. Most people don’t realize that insurance carriers are far more impressed with specified damages that can be documented on medical bills and loss of income statements, than with lengthy essays about pain, anguish, and mental suffering. Your case will improved if you and your First Coast personal injury attorney obtain substantial documentation of your damages. This does not mean just personal accounts of pain and suffering and other subjective complaints that cannot be documented. Insurance companies are not likely to be interested in such intangible statements of inconvenience and mental anguish. They are much more likely to be persuaded by facts, figures, and objectively documented injuries that prove it is in their best interest to settle your case. Here is a hypothetical to illustrate this point: Two backseat passengers are involved in a rear-end collision and suffer the same injuries. Passenger A goes to a doctor who recommends six weeks of physical therapy. The passenger takes about eight weeks to recover and has to take two weeks off from work. He recovers entirely after six months and has no residual injuries, and has dollar amounts for his therapy bills and lost wages. Passenger B goes to the emergency room, which recommends that he see a specialist. He goes to a chiropractor (not exactly who the ER had in mind) several times and insists on returning to work except for two days he takes off. He is in severe pain and has difficulty performing at work, and he loses many of his hobbies for the rest of the year. His medical bills are only a couple hundred dollars and his lost wages even less. But he is in dire pain that is easily seen by his concerned friends and family, who write letters attesting to the difficulty he has been having since the accident. The insurance company will probably offer to settle Passenger A’s claim for close to his documented damages and lost income, but will offer Passenger B a far lower amount. If you have further questions about documenting your injuries from an accident, contact First Coast personal injury attorney John Fagan for a free initial consultation.

About John Fagan

John is a Jacksonville native who grew up on the First Coast. He graduated from Bishop Kenny High School in 1975 and went to college at Florida State University where he completed a 4-year program in 3 years. John graduated from the Florida State University College of Business in 1978 and went straight into Florida State University College of Law. While in law school, John earned a position on the prestigious Law Review Board serving as its Business Editor. As a law student, John studied in the Oxford program. He also interned with the Florida Legislature working in the Florida House of Representatives Criminal Justice Committee. John was admitted to the Florida Bar in 1981. John began his legal career as a law school intern in the State Attorney's Office in Jacksonville in 1981. After his internship, legendary State Attorney Ed Austin hired John as a full-time Assistant State Attorney for the Fourth Judicial Circuit (Clay, Duval, and Nassau Counties). As a prosecutor, John tried jury and non-jury trial on charges ranging from DUI to Murder. In 1983, John moved from the State Attorney's Office to begin his career in private practice. He has practiced law for 30 years on the First Coast. For the last 20 years, John and his family have made Clay County their home. John limits his practice to personal injury and disability cases. While there are many fine attorneys in Clay County, John is one of only a few Clay County attorneys who limit their practice to personal injury and disability cases. John takes pride in helping clients resolve injury claims in ways that avoid the stress, uncertainty, and the expense of unnecessary litigation. Professional Activities John is the past President of the Clay County Bar Association and has served on the Board of the Clay County Bar Association from 2009-2013. He is an active member of the Florida Bar, and the Federal Bar of the Middle and Southern Districts of Florida. He is also a member of the American Association of Justice, the Florida Association of Justice, the National Organization of Social Security Claimants' Representatives, and the National Organization of Veterans' Advocates. Service to the Community John is involved in the Clay County Community serving as a member and Director of the Rotary Club of Orange Park, of the Clay County Bar Association, and the Putnam County Bar Association.
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