After filing a claim for an injury, insurance adjusters will investigate your accident and the injuries sustained to determine a settlement amount.
When determining your “total damages,” adjusters will use a formula looking at the type of medical treatment you receive, and the kind of medical providers from who you receive treatment.
A key component of this equation is called "Medical Specials," which just mean the amount that you have spent on medical bills while having your injuries diagnosed and treated. Medical specials typically make up a significant portion of the financial damages in your claim, including any pain and suffering awarded to your settlement amount.
Nonetheless, not all medical treatment is uniform in the eyes of an insurance company, and some types of treatment will be taken more seriously, and hence rated higher than others when it comes down to a final calculation for damages and pain and suffering.
Learn what medical treatment and health care providers are valued higher when figuring the cost of your injury claim: