Why insurance claims for soft tissue injury are so critical?

by Modelkrb » Mon Apr 13, 2009 10:01 pm

Filing for an insurance claim is a tedious process. You eventually get paid for the losses, but only after the insurance company verifies that your claim is authentic. You would rather not expect them to pay more than what your loss had been. On the contrary, the insurers may try in every way to pay as less as possible. In that case, you may have to fight hard to receive a satisfactory compensation. Demanding insurance compensation for soft tissue injuries might be all the more difficult.

What is a soft tissue injury?

Soft tissues in a human body include everything except the bones and the organs. Thus, any injury to the muscles, ligaments, tendons, and other connective tissues can be termed as a 'soft tissue injury'. Bruises, sprains, strains, abrasions are the common soft tissue injuries that might affect an individual. Whiplash is one of the most prominent forms of soft tissue injury that affects the neck and upper back of the individual, if his/her car is rear-ended during an accident. Top

When to claim compensation for a soft tissue injury?

Claims for the soft tissue injuries are incorporated as a part of personal injury compensations that you can seek from your insurer after an accident. It is only justifiable to file a soft tissue injury claim when the injuries have been caused by:
  1. Auto accident
  2. Reckless or violent activity
  3. Defective equipment
  4. Defects in playing surfaces
  5. Lack of proper supervision
  6. School sporting activitiesTop

How are the injuries treated?

The soft tissue injuries cannot be easily diagnosed and there are no specific treatments for such injuries. However, health care specialists often use prescription drugs to relieve the pain from the injuries. The most recommended forms of treatments include:
  1. Rest
  2. Physical therapy
  3. Chiropractics
  4. Oral pain relievers and muscle relaxants
  5. Soft cervical collars (to immobilize neck after a whiplash injury)
  6. Massage
  7. Heat
  8. Ice
  9. Injection
  10. Ultrasound.
    11. Top

Why soft tissue injury claims are different from other injury claims?

Soft tissue injuries cause pain and soreness to the affected individual. Not only that, it also affects the earning capability of the individual. However, unlike other injuries, it's difficult to document them. Most of the time, the injuries don't show up on the skin. Even X-rays may fail to point out that injury in the area. The treatments may not follow the conventional path, as for other form of injuries. It's also hard to determine the claim amount for pain and suffering and loss of pay. The insurers often take a long time to settle a claim for a soft tissue injury. Often, the injured has to go to a trial to get a reasonable amount as compensation. Top

How much to claim for settlement of soft tissue injury?

The claim amount for soft tissue injuries differs from person to person. Your soft tissue injury settlement claim would depend mainly upon the factors mentioned below:
  1. The treatment - Your diagnosis and the mode of treatment will affect the claim amount, since you'll be asking your insurer to reimburse the corresponding expenses.
  2. Your income - Your income will affect your claim amount, since you'll be asking compensation for the loss of pay. Losses of past and future income along with the cost for future care are included when an insurance claim is filed. Besides, it would also depend upon the duration for which you were unable to work.
  3. Attorney fees (if any) - In case you're hiring an attorney, your claim amount should be more than the actual expenses for the treatment and loss of pay. It is so, since the attorneys deduct a share of the settlement amount that the insurer pays you.Top

Points to remember when filing claims for soft tissue injuries

Certain factors should be kept in mind, if you want to file an insurance claim for a soft tissue injury, as mentioned below:
  1. Take pictures of any visible symptoms - It is difficult to prove the extent of injuries. Therefore, any physical symptoms like swelling or bruising should be documented with the help of photographs.
  2. Save the documents - All details of medical advices and treatments should be stored in a proper order. You might need them to substantiate the treatments for your injury.
  3. Negotiate on your own - Try to settle the amount yourself initially. Negotiate with your insurer to arrive at a reasonable claim amount.
  4. Consult an attorney - Hire an attorney to represent you, only when your insurer refuses to pay anything. You should keep in mind that you'll need to pay the attorney, out of the claim amount that you receive.
  5. Don't make haste - You must have patience when dealing with your insurer. A settlement will take time, if you want to receive a decent amount at least. You can claim for any soft tissue injury, if the other party is responsible for it in any way. Every insurance claim needs to be proved. As for a soft tissue injury claim, substantiation is all the more vital.

You can claim for any soft tissue injury, if the other party is responsible for it in any way. Every insurance claim needs to be proved. As for a soft tissue injury claim, substantiation is all the more vital.Top

Related discussions

i have a similar post but i am going to go into detail with this.i need you alls advice.i am wondering what is the highest amount i can get from soft tissue injury settlement after my attorney takes her 33 percent out.Here Is My Situation,On December 26,2008 I Was At A Stop Light Waiting For It To Turn Green.The Light Finally Turned Green.As I Was Pulling Off The Lady Behind Me Ran Right Into The Back Of Me.We Pulled Over She Came To Check On Me To See If I Was Ok.At The Time I Was Fine.She Immediately Got On Her Phone And Called Her Insurance Company In The Process Of Doing That She Was Telling Me I Dont Have To Call The Police She Will Take Care Of My Car.I Called The Police Anyway To Make A Long Story Short She Ended Up Getting A Citation For Following To Close.This Was 11am On A Friday.I Didnt Feel Sore Until I Want To Say 12 To 1.A Member Of My Church Reffered Me To An Attorney,She Gave Me The Name Of A Chiropracter To Go To.I Went In And Basically I Went For 3 Months At 3times A Week.To Make A Long Story Short My Car Damage Was 559.78 .My Lawyer Said That Usaa Doesnt Believe That The Damage To My Car Was Bad Enough For Me To Be Hurt.If I Wasnt Hurt I Would Have Never Went Threw The Process Of All Of This.My Lawyer Asked Me To Contact My Insurance Company To See How Much Is My Med Pay.Ok To Make Another Long Story Short My Entire Bill With The Dr Was 3,692 And Some Change,My Med Pay Paid My Entire Bill So I Am Ok With That Portion,My Lawyer Put A Demand To Usaa For 16,000.I Understand I Am Not Going To Get That Much Back.Usaa Is Offering 4,225 That Is Too Low And My Lawyer Already Said She Is Going To Put In Another Demand.My Question To You All Is What Is The Most I Can Get From A Soft Tissue Injury Settlement Claim.If You All Have More Advice For Me Feel Free To Reach Me On Yahoo Messenger My Id There Is Kai30034 I Need All The Advice I Can Get.

Total Comments: 97

Posted: Tue Feb 02, 2016 09:37 pm Post Subject: torn tisue from a fall

This is three years I slide on a wet floor at a shopping market and teared between my legs and the back of my leg and calf the owner of the market is giving a hard time and there insurance , they received medical report and all my bills, but what I would like to know how much settlement do you think I should get? I am from barbados

Posted: Wed Feb 03, 2016 02:33 am Post Subject:

but what I would like to know how much settlement do you think I should get?


No one here can answer that question as you provide almost no information. You could have $100 in medical expenses and healed in 2 days. You could have $200,000 in expense and taken 1 year to heal. You could be in Alabama, you could be in Russia. Your description of your injury is not descriptive in the least.

Posted: Sun May 07, 2017 08:47 am Post Subject: Injury at Lowe's Home Improvement

A Lowe's employee was cutting plywood. He lost grip of the wood from behind and it flew into my left side knee and I covered my face and my left forearm and wrist bone got bruised and cut. I went to VA ER doctor they gave me pain killers and muscle relaxer. I plan on going back because of the pain. It caused me anxiety. Do I just contact the insurance company. There is definite negligence. The safety officer was there and they conducted an incident report but would not give me a copy. They said when you get a doctors note give it to us and we will give it to the insurance company. Can I negotiate with the insurance company and can they deny me the incident report. I have pictures and a video of the worker who caused my accident.

Posted: Wed Sep 27, 2017 05:31 pm Post Subject: SOFT TISSUE INJURY

In my accident my car was totaled and I suffer with soft tissue injuries. Medical expenses are over 4100. They are offering 8000 is this fair

Posted: Wed Jun 19, 2019 12:08 am Post Subject: russian sexy girls

5 studies possibly you have missed

Here a roundup of five medical studies published this week that might give you new insights into wellness, body-mind. not forget, Correlation is not causation so if a study finds vital between two things, It doesn mean that one causes additional.

That Motrheadhas the reputation as the best hardcore rock'n'roll acts on earth may not surprise you. But finding evidence to support this claim in one of the main medical journals might.

in acase study published Thursday in The Lancet, one "developed a chronic subdural hematoma (Bleeding in serotonin levels) After headbanging at a Motrhead concert,

The man did n't have any previous head trauma, And reported headaches in the four weeks after attending a Motrhead concert.

After a CT scan powerful the bleed, This man underwent nuclear physics to relieve the pressure on his brain. Two months subsequent, He is doing well.

Selling over 30 million albums worldwide is undoubtedly an achievement. Getting authored in a medical journal? Now met the criteria metal.

Orgasms and alcohol affect your pillow talkOxytocin plays a vital role in ukraine wife social interactions, Maternal doings and trust. So it shojuld not be a surprise that it plays a role in the bedroom too.

The hormonefloods dapoxetine after orgasm, And promotes greater comprehension of trust and safety.

So when researcherslooked at how orgasms and alcohol affect talking between partners after sex, Theyfound that people who reached orgasm were certainly going to confide important, Positive info to their partners.

That may be because oxytocinreduces levels of the stress hormone cortisol, that may explain the inclination to divulge your secrets in the afterglow.

to the contrary, the analysis, PublishedThursday in the medical journal correspondence Monographs, realized thatalcohol (in combination with a failure to orgasm) resulted in less positive information disclosure, As well as more unintentional secrets spilled.

Fast food fallout is passed down through generations

i know full well that overindulging in fast food and can have negative consequences on your health. Ian Myles found that a bad diet could affect us in ways years ago unconsidered.

"Of probably greatest concern, publishes Myles, "Our poor dietary behaviors are encoded into both our DNA scaffolding and gut microbiome, And thus these harmful immune modifications are passed to our offspring during their most important developmental window,

The gut flora in a child is inherited from the mother, And previous sensibly suggested a mother's diet can affect her child's flavor preferences.

analysts at the Johns Hopkins Children Center analyzed 22 years' worth of surgical records (even close to 440,000 admissions), And found that children undergoing urgent and emergency procedures on weekends were 63% gonna die compared to weekday patients.

Gut cells may be changed into insulin producing machines

investigators at Columbia University are getting closer to finding a way to help free diabetics from insulin injections.

even though this is still very early research, It an incident where a cell studycomes aftera mouse study(Usually it the opposite), Creating a new mid-level step before the drug or procedure is tested in humans.

Add your comment

Image CAPTCHA
Enter the characters shown in the image.
Get new captcha!