Factors Insurance Companies Consider When Evaluating an Oregon Personal Injury/Auto Accident Claim – Part Fourteen – “Active” (Do-It-Yourself) Medical Care

Let’s discuss the importance of actions taken by an injured party on his or her own initiative that helps speed their recovery from injury. As one can imagine this information is valuable to an insurance company, these actions are known as “active” medical care. These actions are not the same as “passive” medical care in which a person is making visits to a doctor’s office as a patient.

Insurance companies “give credit” for activities, properly documented, that a claimant takes on their own initiative toward recovery. Why? Because if a case went to court, a jury would see legitimacy in a claimant who was actively trying to speed his or her recovery and a jury would give value to that person’s claim. The insurance computer does the same – when it sees documented elements of “active” medical care.

There is a list of more than 10 actions that can be considered potentially “participating in your recovery.” An example of this is performing any actions before seeking medical treatment. Performing these actions after you have sought medical treatment also counts, things like taking medication, stretching or some other exercise regimen, limiting daily activities – including work for pay – etc. This also applies to activities your doctor has advised you to do on your own to help the healing process.

The insurance adjuster is human and they benefit from helping you and in doing their job well. It is their responsibility to input each and every detail that could lend value to a claim. Make sure you help them do their job and provide the right information that will help you obtain a fair settlement. An experienced Oregon personal injury attorney knows how to take the pressure off a claims adjuster and make their jobs easier by getting them the information they need while still getting you a fair settlement you deserve. A settlement-demand brochure will reflect an attorney’s familiarity with, for example, each of the more than 10 types of action that can count as “active medical care” this will increase the value of a claim. As such, the settlement brochure help the adjuster input each action of active medical care that a client takes.


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