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How Do Insurance Companies Determine Pain & Suffering?

How Do Insurance Companies Determine Pain & Suffering?

It’s no secret insurance companies are often reluctant to pay injury claims. It’s unsurprising. They make the majority of their money by taking premiums from their policyholders, and by paying for damage, they stand to lose a significant amount of money. They typically, therefore, investigate each claim with utmost care, looking for anything that could slightly resemble a loophole or a lie. For example, they must determine if a claimant is actually experiencing pain and suffering before they will compensate that individual.

Pain and suffering refers to a number of injuries a person may suffer as the result of an accident. It can be physical, emotional, or mental injuries that often lead to loss of the enjoyment of life. Quantifying this type of injury can be difficult. How do you compensate someone for a sudden onset of insomnia, phobias, or grief?

Attorneys for plaintiffs are usually trained to use one of two methods for calculating pain and suffering. The first is to multiply their client’s actual damages by a certain number, usually between 1 and 5. It depends on the severity of the injury. The second includes using a per diem approach. With this method, a certain amount of money is assigned to every day from the day of the accident until their client reached maximum recovery.

However, insurance companies are under no obligation to consider these methods valid. Many companies use computer programs to determine what amount, if any, should be allotted to pain and suffering. They must also have proof of such stress before they will compensate people for it. If they detect any falsehood, for example using evidence from social media that you’re not experiencing constant pain, they will not pay you for the damage.

If you’re experiencing problems getting compensation from an insurance company, talk to one of our skilled Durham personal injury attorneys. You deserve compensation for your injuries, especially if they were caused by someone else’s negligence or carelessness. At Hyland + Padilla PLLC, we have dedicated ourselves to protecting the rights our clients and achieving for them the compensation they deserve. We have a proud history of representing individuals and holding negligent parties accountable for their actions. We can represent you in negotiations and in the courtroom. Our staff is also bilingual, and we offer open communication with clients, including a 24/7 after-hours bilingual answering service. Our firm has more than 50 years of collective legal experience to offer your case, and we have successfully represented thousands. Let us see what we can do for you. Contact us or fill out our online form to schedule a free case consultation today. We look forward to speaking with you about your situation.

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  • Con el abogado John Padilla tengo una muy buena representacion legal, me a representado en 2 casos, es muy serio, entregado en su trabajo y muy responsable, ve siempre el mejor bienestar del cliente con excelentes resultados.... Excelente Abogado lo recomiendo


    Hello I am a client of Ms Andrea Fowler. She has handled many cases for me from car accidents and personal injuries. She handled these cases with accuracy and professional. She GETS THE JOB DONE!! I would recommend her to anybody. I am very happy with the way she handle my cases. SHE IS AWESOME!!!!!!! And also her team of professionals. THANK YOU FOR EVERYTHING YOU'VE DONE FOR ME AND MY FAMILY!!! You GUYS ARE THE BEST!!! MRS. ANDREA MCRAE

  • Julio

    Tuve un accidente automovilístico al contactarme con los abogados de Hyland y Padilla, pude obtener las respuestas que necesitaba y ganar mi caso, para cubrir mis facturas médicas completamente junto con los fondos adicionales recibidos por dolores y sufrimientos de compensación. Recomendaría a Hyland y Padilla a cualquier amigo o colega.

  • Juanita

    Me lastimé en el trabajo y me puse en contacto con los abogados de Hyland y Padilla. Pude hablar con un abogado en vivo de inmediato y me ayudaron a ganar mi caso.

  • Michelle

    Hace poco tuve problemas legales y llamé a un abogado de Hyland y Padilla. Afortunadamente, podrían ayudarme y me siento confiado en recomendarlos a cualquier persona que necesite ayuda legal.

  • Juan S.
    Juan S.

    Los abogados de Hyland & Padilla me ayudaron a recuperarme de mi accidente en 2017. Me caí al trabajo, me rompí la pierna izquierda y no pude trabajar. Andrea me ayudó con los tribunales y consiguió dinero para mi lesión. Ahora no tengo que elegir entre pagar las facturas y recuperarme de una pierna fracturada.

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