How much compensation for a back injury should you recieve from an insurance company?

The answer has to do with you, you doctor, your medical records, and your treatment

If you are wondering how much compensation for a back injury, you first need to determine under what statute you are seeking that compensation to be able to answer that question.

You could be protected under LNI statues or under worker compensation laws. If your back injury was caused by a car accident, then this page will answer your question.

How much compensation for a back injury is a hard question to answer because there are many variables to will affect your claim? Remember, you are seeking compensation for the entire injury, not just for pain and suffering.

What variables affect how much compensation for a back injury you will receive?

What is the nature of the injury? Are doctors willing to diagnose an injury or is your injury one of those where you have to seek treatment every so often with a chiropractor. Having actual medical records showing that your injury was diagnosed can add a lot of money to that injury.

Who are you? Believe or no this will affect the way insurance companies evaluate how much compensation for a back injury claims. If you are the CEO of a company, your time away from work will probably will be worth way more than the �normal� laborers. Remember that time away from work or loss wages can be evaluated for present and future losses.

How can an injury affect your job?

If the injury has little or no relation to your actual job or career, then it will negatively affect how much compensation for back injury you will receive and vice versa. For example, if your are in an office all day, the injury to your back will prevent you to move as fast, which will reduce some productivity. However, if you are an athlete, a back injury can put you completely out of a game or a session. Or if you are a laborer where your job is completely physical then your productivity will be highly reduced. How much compensation for back injury you receive will depend in how much the injury affects your current job. The question is again, how much?

It really depends in what the medical records will reflect. If your doctor is willing to explain that your ability to perform your duties will be impaired for an extended period of time, you need to include what ever wage loss you will incurred (even if you get pay sick leave). If your doctor releases you and writes that you are completely recovered or you are back to pre accident condition, then the value of your back injury will decrease because you cannot include the �future pain and suffering and wage loss�.

Can you determine how much compensation for a back injury you will receive?

Get a great Bodily Injury E-book for more key information.

Taking into account the variables above, the bottom line will be treatment. If you do not go to the doctor, then you claim will not be worth much! Insurance adjusters will not tell you this but it is the true.

How can you claim that you are in pain, but you cannot go to the doctor? Sure there are a lot of explanations but adjusters are cynical and will tell you that they believe that if you were hurt and in pain, then the doctor visit would have been priority in your life.

So going to the doctor is huge. Also what is that doctor writing? I have seen so many medical records where patients go in and say that they are 90% better and that they are ok every single time. 90% + 90% = 180% better!. Ok, you get the point. Please note that I am not suggesting to you that you should lie or misrepresent your injury. What I am saying is that when you visit a medical facility, most doctors will be taking close note of everything you say and they will note it. Adjusters will review your files and they will �pick up� those little things and devalue your claim.

What else can devalue your claim? Your life activities! Are you claiming back injuries but you are going to the local rodeo to bullfight? You get the point! Many people just tell these things to the doctor or nurse and those things just get reported. The insurance adjuster will point out that you mowed the land on April 10^th, per such and such report.

To recap:

You injury compensation depends on:

1. Continues treatment

2. Your job

3. Your position

4. You medical records

5. And your life style

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