How do insurance companies evaluate spinal injury claims?

Insurance companies evaluate spinal injury claims by considering the severity of the injury, the medical bills associated with the injury, the long-term effects of the injury, and any lost wages and/or ability to work. In North Carolina, insurance companies consider the “comparative negligence” doctrine when evaluating spinal injury claims. This doctrine holds that both the injured person and the person responsible for the injury are each partly to blame for the injury. To determine the amount of liability for the injury, the court will assign each person a percentage of fault. Insurance companies may also evaluate a spinal injury claim based on the “collateral source doctrine.” This doctrine holds that a person responsible for an injury cannot be held responsible for medical bills that were either paid for by insurance or through other means, such as a lawsuit brought by the injured person. When evaluating a spinal injury claim, insurance companies will also consider the amount of insurance coverage held by the person responsible for the injury. An insurance company may seek to limit its potential liability by denying or limiting a claim, and they will determine the extent of their liability based on the coverage held by the responsible party. Finally, insurance companies may also consider the possibility of future complications resulting from the injury, as well as the cost of long-term care. This is especially important for severe spinal injuries that may cause permanent disability. The insurance company will assess the likelihood of the injury resulting in long-term complications and the associated costs.

How do insurance companies evaluate spinal injury claims?

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