The severity of an injury, cost of medical treatment and loss of income are some of the factors an insurance adjuster analyzes to determine the value of a case. In order to negotiate an appropriate settlement amount, the Albuquerque NM injury lawyer representing you and the insurance adjuster must accurately calculate the medical expenses and financial losses that have been incurred as a result of the accident.
Past and Future Medical Bills
The insurance adjuster needs to know the amount of your past, present and future medical expenses. The medical bills may include the cost of surgery, diagnostic tests, examinations, medical supplies, physical therapy, rehabilitation and prescription medicine. Submit medical records that provide details regarding the types of injuries you sustained and the physician’s recommended treatment plan. The medical documents should also state the expected length of your recovery period and list estimated cost of future medical expenses.
The insurance adjuster often disputes the amount of your medical bills if it appears that you are receiving unnecessary treatment or the medical provider’s bills are excessive. The adjuster will less likely question the validity of your medical treatment and the expenses if you obtain healthcare services from a board-certified specialist.
You are compensated for lost wages if you were unable to work due to the injuries from the accident. You must give the adjuster medical records that prove the injuries and related symptoms prevented you from performing the essential functions of your job. You also need to give the adjuster documents from your employer that verify your salary and the amount of time you were absent from work. You may not receive lost wages if you don’t provide the necessary paperwork. The adjuster may also refuse to pay a portion of the lost wages if you took off more time from work than you needed while recovering from your injuries.
Consult an Albuquerque NM Injury Attorney
When you are injured in an accident, it can have a devastating financial and emotional impact on you and your family. Albuquerque personal injury lawyer Ryan McKelvey can evaluate your situation and let you know if you’re eligible to receive compensation. Call the law office today at (505) 254-9090 to schedule a confidential consultation.