The Claims Adjuster Will Evaluate the Treating Doctor’s Reputation
One of the many factors that insurance adjusters look at when evaluating personal injury claims is the identity and reputation of your treating physicians and therapists. There are certain red flags that might indicate that your soft-tissue injuries have been exaggerated or inflated to maximize your expenses and suffering. A First Coast personal injury attorney can advise you on how to avoid this perception when filing a personal injury claim.
Claims adjusters look out for treating doctors who are known to run “plaintiff mills” that specialize in treating patients with insurance claims. One key sign of this is if the doctor advertises on TV or in the Yellow Pages for personal injury victims. Your First Coast personal injury attorney may try to counter this argument by stating that the reason your doctor has so many patients is because he is a good doctor with a lengthy record, reputable practice, and indisputable credentials. If your treating doctor is known to frequently serve as the physician for patients represented by counsel, he may be seen as “plaintiff-oriented,” and your attorney can emphasize the doctor’s experience and qualifications.
Adjusters will try to answer the question as to whether your treatment is high level and high cost relative to the amount of property damage that occurred, because disproportionately high levels of treatment might indicate exaggerated injuries. Your attorney can minimize this charge by having a board-certified orthopedic surgeon (in the case of spinal injury) state that the level of property damage is totally irrelevant to the level of your injury. If the treatment frequency seems disproportionate to the nature of the injury, yourFirstCoastpersonal injury attorney can get a report from a board-certified medical doctor establishing that the amount of treatment was medically appropriate and necessary for the injuries you sustained.
Adjusters are also especially skeptical of chiropractic bills, especially compared to board-certified orthopedic surgeons, so it might be a good idea to see a licensed medical doctor to confirm that your treatment course is correct and appropriate.
These are warning signs to any adjuster that your claim may be exaggerated. These are not insurmountable obstacles, but you and your attorney should anticipate these arguments coming and prepare to address them. If you don’t deal with them directly, they will only become more pertinent later on in a lawsuit.
If you have more questions about how to address the claims of your insurance company, contact experienced First Coast personal injury attorney John Fagan for a free consultation.