How Insurance Adjusters Evaluate Personal Injury Claims
- Dan T. Matrafajlo
- Fri Sep 2013
How an insurance adjuster values your personal injury will define how much monetary compensation you will ultimately receive and whether you will settle or proceed to litigation. Although adjusters simply consider the objective factors during the evaluation process, the facts can be manipulated into your favor by how your New Jersey accident lawyer handles your claim.
Below are examples of some factors that insurance adjusters will look at during their evaluation process:
Insurance adjusters are generally trained not to pay large claims if they believe that your medical bills have been unnecessary. In order to avoid this, we recommend that you select your own doctor and get a second opinion or an opinion of a certified specialist to approve or confirm any expensive treatments.
Future Medical Expenses
In order for an adjuster to properly account for your future medical expenses, our New Jersey accident lawyers will provide the adjuster with detailed evaluation from all of your treating physicians as to your likely future medical expenses during settlement talks.
Loss of Income
If you have loss of income as a result of the personal injuries you sustained during the accident, we will get all of the necessary verification documents from your employer as well as your doctors’ written reports stating the length of time you were disabled and unable to work. Without these important documents, the adjuster will not be able to properly account for your loss of wages when evaluating your personal injury claim.
Future Loss of Income
Loss of future earnings is another important factor that the adjuster needs to consider in evaluating your claim. Future loss of wages may include less earning potential, future medical expenses, and any leave of absence you will need to take as a result of your injuries.
Contact an Experienced New Jersey Accident Lawyer Today!
If you need a New Jersey accident lawyer, please call Dan Matrafajlo at 908-248-4404 for a free consultation. We have offices in Elizabeth, North Brunswick and Newark, New Jersey to serve you. Mr. Matrafajlo has the experience in New Jersey courts that you need. He has been recognized locally for his legal ability, named a Super Lawyers Rising Star, and has even helped set legal precedent in personal injury law with cases such as Hardison v. King. Dan will fight for your legal rights!