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Assessing Permanent Injury Step Two: How It Affects You

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When you suffer permanent damage, you’ve got to protect your rights to be compensated for it. You may well need the financial help so you can live your life. But convincing an insurance company to give its money to you just won’t be easy, no matter how much you deserve it.

No doubt about it, one of the most important things an attorney does is tell your story in a compelling way to convince insurance companies to give proper compensation. Describing the extent of your permanent damage is the biggest part of that. To me, it’s the best part of what I do.  

Here are factors I highlight to help folks get compensated for permanent injuries.

The Starting Point

We begin the analysis of your permanent injury with your medical impairment rating. It’s a percentage of loss that is assigned by the doctor, based on a guide published by the American Medical Association (AMA).

It’s my job to tell what that looks like. With your help, we expand on the number to show how your medical impairment impacts your life.

Here’s how it works.

Impact on Basic Acts of Daily Living

Inability to do the things we all need to do to function in the world—or struggles with those acts—can paint a profound image. They include:

  • Bathing
  • Eating
  • Personal hygiene
  • Using the bathroom
  • Sleep
  • Sex
  • Housework
  • Yardwork
  • Child care

Impact on Mobility

Severe pain or loss of use can make your body a prison. We consider how your injury affects things like:

  • Sitting
  • Standing
  • Walking
  • Pushing/pulling
  • Reaching overhead

Impact on Your Job

A huge factor emerges when your injury prevents you from working. In accident injury cases, it increases to other types of compensation like lost wages and potentially, emotional harm caused by the loss of a major part of the meaning of your life.

In work injury cases, it can qualify you for extensive benefits for permanent and total disability or wage loss.

Impact on Things You Love to Do

When you can’t do things you love to do anymore, everyone knows you’ve got a serious problem. Hobbies are not trivial—they give us enjoyable challenges, fellowship, and rewarding, relaxing fun that make life worth living.

Protect Yourself

If you’re severely, permanently injured, you’ve got way more to deal with than you deserve. Do you really need to add to that, dealing with an insurance company that makes money by denying your injuries and shortchanging you? I’ve referred to describing the impact of permanent injury as “telling a story” and “painting a picture.” There’s an art to it, but there’s a science, too—it involves gathering all the information from you as your case goes on to show how this injury affects your life. After that, the art comes in, to convincingly portray it to the insurance company, opposing counsel, or a jury to get the best possible result in your case.

You’ve entrusted your physical wellbeing to doctors. You should strongly consider entrusting your legal wellbeing to an experienced lawyer. Feel free to start a live chat or fill out our Get Help Now form to get answers to the questions and concerns you have about your case. You’ve been through enough, so you don’t need to worry about your legal problems. 

 

Rob Usry
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Rob is a South Carolina personal injury and criminal defense lawyer.
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