Filed Under:Claims, Auto

Investigating Low-Impact Auto Claims

The 2010-2011 NFL season has officially wrapped up, and players now have time to heal their bodies from the blunt forces and injuries incurred throughout the season. These hits to the head, back, neck, and side are often exponentially harder than many auto accidents, yet each year millions of dollars are paid out to compensate people for even the slightest fender bender. 

Having investigated auto accidents for a number of years, I’m often amazed to see people walk away from totaled vehicles, rollovers, and head-on collisions with just a few bumps and bruises, while others claim injuries when there is no visible damage to their cars. 

A thorough investigation will also include a detailed investigation into medical history. Did the party claiming to be hurt have a history of claims? Have they been in multiple accidents? Is there a pattern of claiming injury only when they aren’t at fault? Were there pre-existing conditions or intervening circumstances? What was their pattern of treatment? What was said to their medical provider? 

By obtaining 10-20 years of medical history, either through a voluntary medical release or discovery, critical clues can be unearthed to either validate or refute what a party is claiming.

Featured Video

Most Recent Videos

Video Library ››

Top Story

20 of the wealthiest places in America

If you want to build your roster of high-net-worth clients, these are the cities you should be targeting.

Top Story

What grade does your state get for its insurance regulations?

Eight states received an “A” grade, and one state received an “F.” Insurance is regulated almost entirely by the state level, and here's a report card on how the states are doing.

More Resources


eNewsletter Sign Up

Claims Connection eNewsletter

Breaking news on disasters, fraud, legal trends, technology, and CE initiatives for the P&C claim professional – FREE. Sign Up Now!

Mobile Phone

Advertisement. Closing in 15 seconds.