There are many ways for businesses facing large insurance claims to limit their losses. In some cases, it is possible to show that the party seeking compensation caused the incident or had underlying medical conditions that somewhat reduce the company’s liability for their injuries.
In certain situations, raising questions about the amount of compensation sought may be the most effective response to a pending insurance claim or injury-related lawsuit. Those hoping to optimize their financial recovery might exaggerate their symptoms or even falsify their treatment plans. They may insist that they require major, costly procedures to return to work or regain their baseline quality of life.
Questioning the severity of a condition and a proposed treatment plan can be an effective response to an injury-related insurance claim. How can companies determine the true future medical costs of a party pursuing an injury claim?
A neutral evaluation could be beneficial
Those seeking compensation for injuries often have lawyers and medical professionals backing their claims. However, the parties they hired may not necessarily be completely neutral. As such, requesting an in-depth medical evaluation can be an appropriate response to an injury-related insurance claim.
A functional capacity evaluation is one of several types of in-depth tests that can help guide the response to a personal injury claim. These tests involved professionals monitoring an individual carefully to determine if they have exaggerated or fabricated any of their symptoms. Their performance on different tests can help provide insight into their true physical condition.
The report generated by the testing process can then raise questions about the necessity of certain forms of treatment and whether medical issues might truly impact earning potential as the plaintiff asserts it does. The costs associated with testing can seem minimal when compared with the expenses associated with a large, successful injury claim.
Those trying to respond effectively to questionable or excessive injury-related insurance claims may need to gather evidence supporting their perspective on the matter. They may also need guidance throughout the response and negotiation process.
Carefully navigating an insurance defense scenario can help organizations protect their reputations while simultaneously limiting the costs associated with potentially expensive injury claims. The insight of neutral professionals, including medical professionals, can play an important role in an organization’s response to a lawsuit.