How does an insurance company determine compensation for a burn injury?
In Alaska, an insurance company typically determines compensation for a burn injury based on the severity of the injury and the amount of medical costs incurred. Insurance companies may use a “permanent impairment rating” to gauge the severity of the burn injury, or may decide how much a burn has impacted the victim’s daily activities. An insurance company may also consider the victim’s current and future medical expenses, such as the costs of reconstructive surgery, physical therapy, and medications needed to manage the burn injury. Depending on the victim’s insurance policy, the company may also cover lost wages if the injury prevents the victim from returning to work right away. Other costs which may be compensated include the cost of transportation for medical appointments, child-care expenses, and property damage caused by the burn injury. If the burn injury was caused by someone else’s negligence, the insurance company may also provide compensation for the pain and suffering the victim endured because of the injury. Ultimately, an insurance company’s decision on how much compensation to provide for a burn injury comes down to the individual policy of the victim and the severity of the injury. It is important to read and understand the details of an insurance policy in order to make sure that one’s damaged is covered.
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