Insurance & Claims
Whiplash and Soft-Tissue Injury Claims: Why Insurers Pay Less
Insurers discount whiplash claims that lack objective proof or show gaps in care. How Colossus, treatment records and no-fault thresholds affect value.
6 min read
Guide library
Insurance & Claims guides
After an injury, the insurance company is usually the other side of the conversation. These guides explain how that conversation works: what an adjuster is looking for, why a quick settlement offer can leave out costs that arrive later, and which coverage pays for what. One guide compares PIP, MedPay and health insurance after a car accident. Another covers claims against your own uninsured and underinsured motorist coverage when the at-fault driver has little or no insurance.
Other guides show how a settlement is built. They list the types of damages you can claim, explain how pain and suffering is valued, and walk through the path from the gross amount to what you keep after fees, costs and medical liens. Two guides cover injuries that insurers often dispute, traumatic brain injuries and whiplash, and the kind of records that support them. Insurance rules vary by state, so each guide points to the state page when the answer depends on where you live.
10 guides on insurance & claims
Insurance & Claims
Traumatic Brain Injury Claims: Proving an Injury Scans Can Miss
Concussions often don't show on a CT scan and symptoms can appear days later. How TBI claims are documented, what they cost, and how life care plans work.
6 min read
Insurance & Claims7-point list
7 Types of Damages You Can Recover After an Injury
Medical bills, lost wages, earning capacity, pain and suffering, emotional distress, consortium and property damage: what each covers and how to prove it.
6 min read
Insurance & Claims9-point list
9 Mistakes That Can Shrink Your Injury Settlement
Delayed care, gaps in treatment, recorded statements, broad medical releases and early offers can cut an injury settlement. Here is how to avoid each.
8 min read
Insurance & Claims
Medical Liens on a Personal Injury Settlement, Explained
Hospitals, health plans, Medicare, Medicaid and comp carriers can claim part of your settlement. Learn who can file a lien and how to get it reduced.
6 min read
Insurance & Claims
PIP vs. MedPay vs. Health Insurance After a Car Accident
In the 12 no-fault states PIP pays your crash bills first; elsewhere health insurance and MedPay pay until settlement. See limits and who wants repayment.
6 min read
Insurance & Claims
Uninsured and Underinsured Motorist Claims, Explained
UM and UIM coverage pay when the at-fault driver has no or too little insurance. Learn stacking, offset vs. excess states, deadlines and arbitration.
8 min read
Insurance & Claims
What Pain and Suffering Damages Cover and How They're Valued
Pain and suffering has no formula. See what it covers, evidence that proves it, caps in California and Colorado, and no-fault limits in NY and Michigan.
7 min read
Insurance & Claims
How Personal Injury Settlements Are Calculated, Gross to Net
Settlements add economic losses and pain and suffering, cut for fault, then stop at the policy limit. See the math from a $90,000 gross to a $45,000 net.
6 min read
Insurance & Claims
How to Deal With an Insurance Adjuster After an Injury
The other driver's adjuster works for the insurer, not you. When to refuse a recorded statement, limit medical releases, reject early offers and get help.
6 min read
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