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Effect of MMI on a car accident insurance claim

On Behalf of | Jul 21, 2023 | Car Accidents, Personal Injury |

If you have been involved in a car accident, you are probably considering when to settle your insurance claim. The temptation to resolve things quickly may be strong. But taking the time to prioritize your medical recovery can significantly impact the benefits you receive.

The role of medical recovery

Your well-being should always be the top priority after a car accident. Seeking immediate medical attention is vital for your health. It also plays a critical role in the claims process. Most insurance claims cannot move forward until you have made significant progress in your recovery. In most cases, this can take several months.

Maximum medical improvement (MMI)

A crucial concept to comprehend is maximum medical improvement (MMI). This term refers to the point at which your condition has improved as much as it can, even with further treatment. Reaching MMI is an important milestone in your recovery process. Considering your injuries and treatment, it signifies that you have healed to the fullest extent possible.

The benefits of waiting for MMI

While the desire for a swift settlement may be tempting, waiting until you have reached MMI is generally advisable before finalizing your claim. By waiting, you and your lawyer can accurately assess the full extent of your damages and losses. Settling prematurely, before reaching MMI, could result in inadequate compensation. You may not be able to demand more money after you settle, even if your injuries are more severe than you initially thought.

Seeking legal guidance

Navigating the complexities of a car accident insurance claim can be overwhelming, especially when it involves your medical recovery. It is wise to seek legal guidance from a personal injury attorney who can provide valuable advice and advocate for your best interests. They can help you understand the significance of your medical recovery in the claims process and ensure that you receive fair compensation for your injuries and related losses.

Your medical recovery is pivotal in settling a car accident insurance claim. By ensuring you have reached MMI, you can better evaluate the long-term effects of the accident on your health and life. This will allow a fair and comprehensive settlement.