Adjuster Henry Hard-Nose ~ And Your “Pain And Suffering”

WHEN IT COMES TO A MOTOR VEHICLE ACCIDENT YOUR “PAIN AND SUFFERING”  IS WHAT YOU GET PAID BIG BUCKS FOR: It’s an absolute necessity that you  ask a doctor or chiropractor to provide you with medial attention as  soon as possible after you've been smashed into. This decision can  make the difference between ending up with a fistful of thousand dollar bills,  or a “nuisance value” settlement - - a small payment made to close the  case. 

Your claim of bodily injury has no credibility with Adjuster Henry Hard-Nose  unless it’s been verified by the Medical Report executed by Dr. I. M. Comfort,  your attending physician. If you don’t see a doctor or chiropractor,  but still attempt to justify an injury that produced "Pain and  Suffering" (and also contend you’ve lost time from work) Hard-Nose is not  going to buy it. At the end of the day you won’t be paid much, if anything,  for your loss. 

IF YOUR INJURY IS RELATIVELY MILD: Under normal, routine  circumstances Ole’ “Doc” Comfort will probably see you five to eight times  without providing any complicated treatment. You can expect to be x-rayed,  prescribed some pills, told to rest a few days (or weeks) and possibly be  advised to avail yourself of heat therapy, to be administered, by your honey, at  home. 

IF YOUR INJURY IS MORE SERIOUS: You may have to wear a  cervical collar (a neck brace) for a few weeks. This can be uncomfortable but it  will assist in your physical recovery and produce a higher settlement value of  your claim. “Doc” Comfort will probably refer you to a specialist, such as an  orthopedist (a bone doctor) or a neurologist (a specialist in nerve damage). 

MINOR BODILY INJURIES: The vast majority of motor vehicle  accidents cause minor injuries. Bodily injury pain cannot be specifically  measured (temperament and psychological factors are involved) nor can the limits  of human endurance. Each one of us has a different “pain threshold. That is, the  point at which we begin to feel physical discomfort. 

The amount and quality of pain you feel is not strictly dependent on the  bodily injury inflicted. It has much to do with your previous experiences, how  well you remember them, and your ability to understand the cause of the pain and  its consequences. For example, the ex-athlete will probably experience a blow  much differently than the individual who was never able to play contact sports  because to help with the family income he had to go out and work at an  early age. 

HOW MUCH PAIN CAN A PERSON STAND? There’s no specific answer  to that question. Sudden pain, even of less intensity than, for example, a  serious burn, can overwhelm the higher nerve centers; so much so that a man  could faint! Is Hard-Nose aware of and understand all of the above? You can bet  your last dollar he does! 

NEGOTIATING A PERSONAL INJURY SETTLEMENT 

HARD-NOSE AND YOUR PHYSICAL ANGUISH: Don’t kid yourself that  Hard-Nose can’t get a handle on, nor understand, the pain and discomfort  you’ve experienced. He can but even so he’ll try to act as though what you’ve  been experiencing is no big deal. Why? Because he knows your claim will cost a  lot more money if you get the idea he understands what you’ve been through,  regarding the impact your body was subjected to. Hard-Nose is well aware of  where you’ve been, and where you’re coming from, because he negotiates with  injured people, day in and day out (all of them struggling with identical  problems) as he goes about the business of settling cases that involve "Pain and  Suffering". He handles identical issues every hour of his work life. He knows  what you’re going through but (never forget) his job is to make you believe your  over exaggerating your complaints.  

He’s fully aware of all there is to know about Hard Injuries vs. Soft  Injuries. He’s constantly in contact with the twisted, bruised, battered, pulled  and snapped problems of pain that people must endure because of injured Tendons  and Ligaments, Muscle Strain and/or Spinal Cord injuries. Each and every day  he’s exposed to the wide range of problems that injured people must endure.  These also include Stress, Anxiety and/or Emotional Reactions. Hard-Nose  may be heartless but he’s no dummy when it comes to comprehending the  legal concept of “Pain and Suffering“. His paycheck depends upon how well he  understands these factors. Why? Because they’re so dramatically involved in the  amount of money that’s paid out (when it comes to such matters) by the  corporation he makes his living stonewalling for. So, you may ask, exactly how  does Henry Hard-Nose make his living? The answer to that one is very simple,  he’s paid to manipulate injured people into ridiculously low settlement’s. 

HARD-NOSE AND YOUR MEDICAL BILLS: Adjuster Hard-Nose may try  to con you by telling you that many of your medical expenses don't qualify as  "medical" in character. He'll attempt to divide your medical costs into two  areas - - one part "diagnostic" and the other "treatment". In "diagnostic" he'll  include ambulance and emergency room costs, the cost of X-rays, plus visits to  specialists. The rest of your bills, usually the money paid out to the hospital  emergency room and regular office visits to your doctor, physical therapy and  medication, he'll term "treatment". Those items he incorrectly identifies as  "diagnostic" are bills that Hard-Nose will try to disallow - - telling you that  they're not "medical" in nature. 

He knows, if he can get  away with doing this, the value of your claim will be drastically reduced,  because the bottom-line amount of your "Special Damages" has been dramatically  downgraded. Hard-Nose will contend that only the "treatment" portion of your  bills are "directly related" to the severity of your injury, therefore that's  what truly reflects the value of your "Pain and  Suffering".

Don't let him get away with that ! Demand full inclusion of  ALL medical bills, otherwise your personal injury claim will be drastically  reduced in value.

Tell Adjuster Henry Hard-Nose, conjuring up all  the authority you can muster, “Legally speaking you can't separate medical  expenses into two categories. Each bill I have goes hand-in-hand with all the  others. It would be impossible for me to get properly treated without being  thoroughly diagnosed and, even more important than that, I can’t place a value  on my personal injury claim until all my Special Damages have been correctly  assessed”.

When he hears that Hard-Nose will blanch and then gulp! Why?  Because he knows what you're telling him is true. He’ll suddenly become aware  that you know what it takes to place a value on your “Pain and Suffering”.  And that, will put an end to his nonsense.

DISCLAIMER:  The only purpose of this article ~Adjuster Henry Hard Nose ~ And Your  Pain And Suffering, is to help people understand the motor vehicle  accident claim process. Neither Dan Baldyga nor Article  City.Com make any guarantee of any kind whosoever; NOR do they purport  to engage in rendering any professional or legal service; NOR to substitute for  a lawyer, an insurance adjuster, or claims consultant, or the like. Where such  professional help is desired it is the INDIVIDUAL'S responsibility to obtain  said services. 

Dan Baldyga's third insurance claim book AUTO ACCIDENT PERSONAL  INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) can be  found on the internet at http://www.autoaccidentclaims.com.  This book reveals "How To" successfully handle your motor vehicle accident claim  so you won't be taken advantage of. It also goes into detail regarding the  revolutionary BASE (The Baldyga Auto Accident Settlement  Evaluation Formula). THE BASE FORMULA explains how to determine  the value of the "Pain and Suffering" you endured - - because of your personal  injury.