Factors Insurance Companies Consider When Evaluating an Oregon Personal Injury/Auto Accident Claim – Part Three – Computer Programs, Including “Colossus”
This blog post addresses a “secret weapon” that an injured person faces when pursuing a personal injury claim. In evaluating a claim, most insurance companies use a computer program – most commonly, one called “Colossus” – to tell them how to value a claim. These computer programs work with medical-record data input by an adjuster. Whenever a computer program sees a particular key word – such as, for example, “fracture,” or “muscle spasm,” or “blurred vision,” or “muscle tenderness” – it assigns money value to a case. Conversely, even if a medical-visit record was 5 pages long, if it didn’t display any of the key words, it would be valueless to a person’s case.
Insurance companies have worked to conceal their use of computer programs, because after all, one can’t negotiate with a computer, and relying on them as much as is done makes insurance companies appear rigid. Even though an insurance company usually is rigid, it does not want to appear that way to claimants or to juries. Information on use of computer programs has leaked out from insurance-company “bad-faith” trials.
The list of key words and key types of input data for these computer programs is varied and lengthy. Additionally, information is only as good as the person inputting it. Knowing these key words and data types is necessary to get the full value for your auto claim. An experienced Oregon personal injury attorney knows how to empower a claims adjuster to achieve a thorough inputting of data that can add value to your claim. The experienced attorney can help you, key word by key word, build value for your case.