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After a serious personal injury, you might expect the insurance company to be sympathetic, or at least to treat you fairly and deal with your claim in an honorable manner. But, can you really be sure about that?

That is why it is so important to consult a personal injury lawyer with extensive experience and in-depth understanding of the tactics the insurance companies use to determine the financial compensation they pay to accident victims who have suffered serious personal injury.

Generally speaking, injuries can be viewed in two classes which can help determine the level of compensation to which you may be entitled. These can be useful terms in discussing your legal action.

Disabling Injuries
These injuries usually involve the partial loss of physical or intellectual strength, but not a loss of functionality. These injuries may also be permanent. For example, you may suffer an injury to your legs but you can still walk, just not as well as you used to. Whether the disability is permanent may depend on your ability to get ongoing therapy. This can be costly.

Incapacitating Injuries
These injuries are much more serious and do involve a total loss of capacity or natural power. For instance, your leg injury results in your inability to walk unassisted.

Of course, regardless of the classification of injury, there are always medical bills and other related issues that disrupt your physical, emotional and financial well-being.

Especially Important in Workers’ Compensation Cases is the concept of maximum medical improvement (MMI). MMI is the point at which any further medical care you receive will not lead to further improvement. In other words, the doctors have done all they can do to make you better. Unfortunately, this might also be the point at which workers' compensation benefits start getting cut off. Who makes this decision? Typically, this decision is made by the "treating doctor" approved by your employer’s insurance provider. Are they really representing your needs?

Often, the doctor that you choose to evaluate your case will disagree with the “treating doctor”. What do you do then? This is where a personal injury lawyer like Mark Farbman can help you get and pay for the treatment you really need.


The contents of the article are provided for informational and educational purposes only and are not intended for legal advice.

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Mark Farbman, P.A. - Helping Clients Like You Since 1994

Personal Injury Attorney / Car Accident Claims
7422 Carmel Executive Park Drive, Suite 320, Charlotte, NC 28226

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