Insurance companies refer to the amount of money spent on assessing and treating a given injury as medical special damages. Insurers use that same figure, during a determination of the injury’s value.

What injuries cause the most pain?

• Joint disjunction
• Torn cartilage
• Any injury to the vertebrae or to the spaces between the vertebrae

Because the painful nature of such problems has been recognized, an insurance company would not have a sound reason for doubting a complaint about pains caused by damage to a joint or to one of the vertebrae. It would make sense for someone in great pain to see a doctor repeatedly. For that reason, an accident victim with a painful condition enjoys the chance to claim a high level of medical special damages.

What are soft tissue injuries?

Relatively minor damage to muscle, cartilage or a ligament creates a soft tissue injury. Insurers do not view such a problem as a serious condition. It is not permanent; it will heal. Moreover, it is not dangerous; it does not impair performance of a vital function.

An accident victim that has suffered a soft tissue injury can add to the serious nature of that problem by keeping a record of how frequently a painful sensation develops, and a record of how long that same sensation persists.

What is a hard tissue injury?

That type of injury’s mention in a medical report highlights the serious nature of the damage done to the accident victim’s body. Insurers refer to a broken bone or a head injury as “hard.” Either of them could require some type of physical repair, as part of a treatment plan.

Personal Injury Lawyer in Richmond Hill knows that if an accident victim experiences any period of disorientation, even a short one, then that same experience should get mentioned to the treating physician. If a medical report includes a reference to such a period of disorientation, the insurance company must consider the possible existence of serious damage to the victim’s head.

While the effect of a blow to the head might not be readily apparent, the resulting symptoms can call for performance of extensive diagnostic procedures. Some of those same procedures could involve utilization of an intrusive examination. That necessity could work to emphasize the injury’s serious nature.

A broken bone can be detected with a simple x-ray. Still, it gets classed as serious, because it causes so much pain. In addition, depending on the position in the body of the broken bone, that painful fracture can force the victim to deal with a prolonged absence of one form of body movement.

In most cases, the fractured bone needs to be immobilized. That immobilization forces a definite inconvenience on the affected victim.

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