How Insurance Companies Evaluate Back Injury Claims

If you’re dealing with the aftermath of a back injury, you might be wondering how insurance companies decide what your claim is worth. The process can feel confusing and frustrating, especially when you’re trying to focus on healing.

At Jeffress Law, PC, in Boulder, CO, we know what you’re up against. Attorney Christopher W. Jeffress has been practicing law for over 30 years — starting his career representing insurance companies before turning his focus to helping victims like you. That insider knowledge allows us to anticipate insurer tactics and fight for fair compensation.

Learn more about what insurance companies take into account when evaluating claims like yours below.

What Factors Do Insurance Companies Consider?

Insurance adjusters look at a variety of details when analyzing a back injury claim:

• Medical Documentation: Thorough medical records are key. Insurers want to see X-rays, MRIs, doctors’ notes, treatment plans, and proof that you’re following through with care.
• Type and Severity of Injury: A herniated disc or spinal fracture is likely to result in a higher settlement than a soft tissue strain. The more serious and long-lasting the damage, the greater the claim’s value.
• Impact on Daily Life: If your injury limits your ability to work, perform daily tasks, or enjoy life as you once did, that can increase the value of your claim.
• Treatment Costs and Prognosis: Past and future medical expenses, physical therapy, medications, and the need for ongoing care are all considered.
• Consistency: Insurers look for inconsistencies between what you report and what’s documented. Gaps in treatment or conflicting statements can hurt your case.

Why Insurance Companies Push Back

Insurance companies don’t make money by paying out large claims. They often downplay injuries, argue that pre-existing conditions are to blame, or suggest your symptoms aren’t as severe as you say. That’s why it’s crucial to have an experienced attorney, like those at Jeffress Law, who can push back with the right evidence and strategy.

Call Jeffress Law and Discuss Your Case Today

If you’ve suffered a back injury due to someone else’s negligence, don’t navigate the insurance claim process alone. Call Jeffress Law at 303-993-8685 or text 303-225-9101 to schedule a consultation and find out how we can help you get the compensation you deserve. We work with clients in Boulder, Longmont, Loveland, Fort Collins, and the surrounding areas.