Riverside California Personal Injury Attorney
Serious injuries resulting from car, construction, motorcycle, or pedestrian accidents involve more than just physical trauma. A serious injury often means loss wages, disability, and a loss in quality of life. As a consequence, families find themselves struggling with more than just the loss of a wage earner – they also find themselves facing a lengthy recovery for their family member and several major life changes.
When seeking compensation for a serious head, neck, or back injury, it’s important to humanize an injury victim, to tell his or her story and demand compensation proportional to the impact of their injuries. Too often, insurance companies try to ignore or downplay the loss in quality of life in paying an injury claim. As a result, injury victims find themselves struggling with the cost of a serious injury even after an injury claim has been paid or settled.
How Insurance Companies determine Injury Claim Payments
A large number of insurance companies use a software program called “Colossus” to assist in determining claims payments. The use of Colossus is controversial since neither its creators nor the insurance companies that use it will divulge much about its algorithms and inner workings. In general, Colossus essentially uses collected cost data to set a baseline for a number of variables involved in an injury claim.
Here, however, the program depends on what a claims adjuster plugs in when estimating a claims payout. As critics of Colossus have pointed out, the program does not take into consideration factors such as pain and suffering, future complications from an injury, or loss wages overtime. Additionally, some insurers have chosen to reduce Colossus estimates by a certain percentage as a “cost savings initiative.”
Telling Your Story after an Accident
Since insurance companies are in business to make money, claims adjusters have an incentive to avoid any more than they absolutely have to when settling an injury claim. While there are honest, upstanding claims adjusters, there are, unfortunately, those that result to any number of tactics to minimize injury claim payouts – the least of which is the use of Colossus.
For these reasons, it’s important to explain to jurors what a serious injury means for an injury victim and his or her family. In order to put a human face on a serious injury, a day-in-the-life video may be necessary to show the court the what your life was like before and after an accident.
Letting jurors see what activities an injury victim has had to give up, what sorts of things they can no longer do for themselves, or how family members must now deal with the consequences of an injury, puts an accident in the context of a real, lived life.
Contact the Law Offices of J. Lewis & Associates Today
If you’ve been seriously injured in an accident due to the negligence of another driver, employer, property owner, or public transportation authority, contact Riverside personal injury attorneys at the Law Offices of J. Lewis & Associates today to learn how we can help you.