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How Do Insurance Companies Determine Pain & Suffering?

Call (316) 313-4730 Right Away if You Are Suffering Due to an Accident or Injury

Accidents can result in an immense amount of pain and a great deal of suffering for those involved—but when is it enough to sue for damages known as “pain and suffering”?

Pain and suffering encompasses injuries and other consequences that you may experience in the aftermath of an accident or serious injury. This extends beyond medical expenses and hospital bills and can include the mental, emotional, and personal costs of your accident or injury. Your entire life could be turned upside down after an accident because of new mental health problems, emotional anguish, and other high, incalculable personal consequences you may experience. Even though it is difficult to put a price tag on these damages, you can still pursue compensation from the responsible parties and their insurance companies for pain and suffering.

Criteria for Proving Pain & Suffering to Insurance Companies

In order to convince an insurance company that you have actually experienced pain and suffering, there are a few things you need to keep in mind:

  • There is no exact method for calculating pain and suffering. If you seek compensation from an insurance company for pain and suffering, the insurance company’s lawyers will likely use the most common method of pain-and-suffering calculation, which is to take the total cost of your actual, calculable damages and multiply it by a number from 1 and 5. However, though you may initially receive a number that is several times higher than your actual damages, but this may still not be enough to make up for what has been done to you. Before discussing pain and suffering compensation with an insurance company or agreeing to any settlement, speak with an experienced personal injury lawyer in Wichita.
  • Insurance companies are in it to make money. Proving your pain and suffering may be challenging, especially because insurance companies turn profits by making it difficult for people like you to get the compensation they deserve. Though it is certainly not impossible and definitely worth pursuing, you will need some help establishing pain and suffering and proving that your pain merits payment from the company. In order to prove it, there are a variety (and a long list, in fact) of forms you must complete and a series of bureaucratic hoops. When working through this, one lacking explanation or unchecked box could leave you without the compensation you deserve. Do not attempt this part of the process on your own. Contact a personal injury attorney right away.
  • You can’t get it without the help of an attorney: Whether you are going up against an insurance company or directly suing the party that hurt you, you will need qualified legal representation if you are to have any hope of recovering the kind of money you will need to support yourself during recovery and address the tangible and intangible costs of your accident. Insurance companies are not eager to provide you with the compensation you deserve, and you must prepare to fight for it.

Schedule Your First Meeting with a Wichita Personal Injury Lawyer Today

Our team of experienced personal injury lawyers at the Hutton & Hutton Law Firm, LLC know exactly what it takes to get you the compensation you need. We are savvy negotiators and skillful legal advisors when it comes to working with insurance companies, and we have dedicated our careers to making sure people like you are not looked over or ignored. Our team is also here to ensure you don’t settle for less than you deserve in your case, because we believe those responsible for your injury should be accountable for making sure you are set up for a smooth recovery.

Send us a message and tell us about your case or call us at (316) 313-4730 to start the conversation.

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