How Adjusters Calculate Pain and Suffering After an Injury
While it may seem difficult to put a numeric value on the pain and suffering one goes through after an injury, compensation for damages has to be calculated. This type of damages is classified as compensatory damages. The compensation is calculated based on a variety of factors, including the severity and duration of pain, along with the symptoms of lingering pain and emotional distress. Unsurprisingly, lingering symptoms can be difficult to prove in general, and even more difficult to reflect in a court-of-law.
When looking to prove you have been through pain and suffering following an injury, it is important to understand how an insurance adjuster will calculate pain and suffering.
After you have completed your medical treatment and therapy, coming up with the monetary amount for medical care is relatively easy. However, putting a monetary amount to your pain and suffering is much more difficult. So how do adjusters do it? The basic method used is the 1-5x multiple system, where one is the lowest pain and suffering, whereas five is the highest amount. They will consider the following aspects:
- Severity of an injury. Soft tissue injuries tend to stay within 1 – 2x the full amount of your care. However, harder injuries, such as a broken collarbone, will likely be between 2 – 3x as much. Brain damage, however, will be put at 5x or more of the amount.
- Liability of the insured person. If the victim is partially at fault or a third-party intervened in such a way that contributed to the accident, the question of liability may affect compensation.
- Future prognosis. When extended medical treatment is clear and evident, the amount of pain and suffering is increased. This is because having to go through long-term treatments adds to the emotional distress of the ordeal, making the award much higher.
- History of jury verdicts. Many find it surprising that other awards could influence their award. Geographic location plays a huge role in this aspect of calculation. Someone injured in the Midwest will likely have a lower award than someone in NYC, which an adjuster takes into consideration.
- Exceptions. When the aftereffects of an injury are high but the cost of medical care was low, the case will be considered under its own merits.
Don’t let an adjuster be the full force in deciding what you deserve after a personal injury accident. Our Connecticut personal injury lawyers at Jonathan Perkins Injury Lawyers understand how adjusters work and how to present a better case for a more profitable outcome.