Insurance companies will not settle based just on your personal complaints, no matter how sincere. Your Decatur personal injury attorneys will have to show them extensive objective evidence such as medical bills.

Insurance carriers are more persuaded by special damages such as medical bills and extensively documented loss of income than they are by subjective dissertations about mental and physical pain.

To successfully persuade the adjuster, yourDecaturpersonal injury attorneys will need to acquire considerable documentation of tangible damages. Descriptions of pain, anguish, and subjective complaints are not enough per se. Insurance companies are not swayed solely by intangibles like pain, distress, inconvenience, loss of companionship, and mental anguish. To prove your condition to the insurance carriers, you need to present them with facts, hard numbers, objective indications of injury, and significant documentation.

Hard figures over subjective statements

Let’s suppose that two backseat passengers received the same injuries in a rear-end collision. The first passenger goes to a medical doctor who orders six weeks of physical therapy. This passenger takes exactly eight weeks to recover from his severe injuries and misses work for two weeks. His medical and physical therapy bills are approximately $2,500 and his lost wages are approximately $1,800. His residual injuries are negligible and he has all but fully recovered after six months.

The second passenger goes to the local hospital emergency ward which recommends a specialist for him. He ignores this advice and sees a chiropractor four or five times instead. Because he refused to miss work, he loses only two days of wages. But he is in severe pain, cannot interact with his family, struggles to perform his duties at work, and loses all of his free time for virtually the entire year.

His medical bills add up to approximately $500 and his lost wages approximately $300. Many of his friends, family, and coworkers write letters voicing concern over his excruciating pain and the difficulty he has experienced for the one-year period since the accident.

The insurance company will settle the first passenger’s case for an amount close to $12,000 if not higher, but they will offer the second passenger a maximum sum of $3,000 to $5,000, if he is lucky. The hard lesson of the story for you and yourDecaturpersonal injury attorneys is that insurance companies are more swayed by facts and figures than they are with subjective letters from friends about pain and suffering.

Injured plaintiffs need the assistance of veteran Decatur personal injury attorneys to win their personal injury case. The law group of McCarthy Rowden & Baker offers free initial consultation and immediate representation if the case is viable. Please call their law offices today at 1-800-373-6050.