The amount of a personal injury claim is always calculated on the amount specified on the medical bills submitted. Your initial claim application is usually followed by a string of inquiries by the insurer. The insurer tries to determine the kind of injury suffered and the treatment involved, on the basis of the evidence put together by a team of efficient personnel. Then, the claim is assessed and accordingly you would receive the reimbursement calculated.
You need to be very particular and preserve all the medical bills, as proof of the treatment. They should be credible enough for the insurer to proceed with the claim. Many a times, people tend to overrate their medical expenses. In such cases, the insurer is likely to reject a substantial part of the gross medical expenses that he disqualifies as medical in nature.
The medical claim amounts are usually categorized as diagnostic and treatment expenses. The diagnostic part of the claim includes expenses on the ambulance, medical wards, X-rays, visits to the specialists and other diagnostic procedures that may be advised. The treatment part of the claim includes hospital fees and periodical visits to the clinic,...
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