8 Things To Do If The guarnatee enterprise Uses A Computer agenda to Value Your Personal Injury Claim

1500 Claim Form - 8 Things To Do If The guarnatee enterprise Uses A Computer agenda to Value Your Personal Injury Claim

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In an insurance claim after an accident, if the insurance company is using a computer agenda to come up with settlement offer, there are some things you can do to help get a better offer.

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1500 Claim Form

1. Ask the adjuster how they are coming up with their numbers- specifically if they are using a computer program. (Many companies use "Colossus").

2. Make sure your doctors document your symptoms. This can be tough because you don't control what the physician writes. However, reconsider bringing a list of symptoms or problems with you to your physician appointment. The insurance adjuster inputs this facts into the computer program.

3. Tell your physician any activities (often referred to as "activities of daily living" or "Adls") that have been affected since your accident. Again, reconsider bringing a list to your appointment. These are leading because the computer agenda used by the insurance company will give you 'points' or value for activities affected.

4. Resist the temptation to give the other person's insurance company a healing authorization. It's more work for you, but you should get your own healing records. When you submit them to the adjuster, feature all of the symptoms, Adls and other references you believe are important. Remember, the computer agenda is only as good as what the adjuster inputs into it. Highlighting will growth your odds.

5. Hire a lawyer. Most computer programs, and the insurance companies in general, value the case higher if you have a lawyer - because they know you are more likely to get a higher follow (without a lawyer, you are not a threat to file a lawsuit, which increases their exposure).

6. If you have received an offer, reconsider submitting added facts along with a invite that the adjuster run a re-evaluation.

7. If you have aggravated a previous health in the accident, discuss that with your doctor. First, it's being honest, which you should do anyway. Second, the insurance company will likely do what's called a claims index quest anyway to look for previous accidents. Third, and most important, computer programs such as Colossus beyond doubt give you 'points' for aggravation of a condition.

8. Make sure, either you are submitting your own records or not, that the insurance adjuster has the billing records for your treating healing providers. In most states, along with Pennsylvania, these are called Hcfa 1500 forms. They are leading because they contain the diagnostic billing code used by the physician or healing victualer and the computer agenda gives points for those.

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