How to Maximize Your Injury Claim: Simple Steps

What Makes Your Case More Valuable

When you’re injured, insurance companies look for certain “value drivers” – specific factors that can significantly increase your settlement amount. Understanding these factors helps you take the right actions during your recovery.

Medical Documentation That Makes a Difference

Your Medical Treatment

• Keep all appointments – Missing appointments suggests your injuries aren’t serious
• Call your doctor when symptoms change – Don’t suffer in silence
• Use specific terms when describing your pain – Say exactly where it hurts and how (burning, throbbing, radiating)
• Get referrals to specialists – Treatment by specialists shows serious injuries

Test Results That Matter

• Get proper diagnostic tests – X-rays, MRIs, and CT scans provide visible proof of injuries
• Keep copies of all test results – Insurance companies take “objective” findings more seriously than pain complaints alone

Track Every Expense

• Save all receipts for:
  • Co-payments and deductibles
  • Prescription medications and over-the-counter pain relievers
  • Medical devices (braces, crutches, walkers)
  • Home help you needed to hire
  • Transportation to medical appointments
• Document insurance premiums you paid during treatment – In some states, these can be recovered

Prove How Your Life Has Changed

Work Impact

• Get documentation from your employer about missed work
• Keep a record if you had to work while in pain (called “duties under duress”)
• Ask for letters from co-workers who witnessed your struggles

Personal Life

• Keep a simple diary of activities you can no longer enjoy
• Get statements from friends, teammates, or instructors who can verify your participation before the injury
• Take photos of family events you couldn’t fully participate in

Vehicle Damage (for accidents)

• Take clear photos of all vehicle damage
• Insist on new parts for repairs, not used or aftermarket
• Document the force of impact – Significant vehicle damage supports claims of serious injury

What To Remember

Each detail you document serves as evidence that makes your case stronger. The more proof you have, the more difficult it is for insurance companies to minimize your claim. Start documenting everything today – it’s much harder to gather this information later.