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– Hi, this is John Kelly. I wanted to talk to you
today about how an MRI can affect your settlement
in a personal injury claim and whether it’s
worth getting an MRI if your doctor recommends one. Generally, to this
question, the answer is going to be yes, it
is highly recommended. If your doctor is telling
you that it’s possible that you have an injury
that could be something that would benefit from
seeing more detailed images from an MRI,
you want to go ahead and get that done right
away on your case. Now, an MRI is different
a little bit from x-rays. X-rays are good for diagnosing
things like fractures, dislocations and they’re
a little bit lower cost. The benefit of an MRI
is that you actually can see some of the soft
tissues and with personal injury claims, that’s
actually very relevant. Oftentimes with injuries
that involve things like auto accidents, you have
bulging discs in the back. You could have other injuries
that don’t always show a broken bone but may
show kind of soft tissue injuries and that kind of thing, which an MRI can be useful for. I’m going to talk about how MRIs help your case and how
they can add value. I have about five things that
they can help with your case and then about five things
that they can add value. What I mean by help is
that they can kind of push your claim along and make sure that you’re getting
the right things that you need so that you
can later add the value. The first thing
is a MRI is going to be hard proof of your injury. What I mean by that
is when we’re trying to explain an injury to
an insurance adjuster or another attorney,
if we have hard proof of that, meaning actual
injury images, we are in much better position to actually
make that claim for you. If we have just a doctor
saying it seems like there may be some bulging disc
and it’s just a narrative that they’re writing
down in their reports, no images attached,
that isn’t necessarily hard proof to these adjusters. They like to see
it for themselves. And that kind of dovetails
into the second thing. Images tell a better
story than words. You actually have an
image of something. If I can send a
photograph of an injury, if someone breaks their
nose in an accident and I can show a picture
of them with bandages on their face to an adjuster,
that’s always helpful. The same applies with
things inside your body that are going wrong
that have injuries. If we can show a bulging
disc, a closeup of the actual disc and
the tissue bulging out, that’s much more
compelling to adjusters. It tells a lot more
than just trying to have a diagnostic code
that they’re reading. Number three, it’s a
medically accepted diagnosis, meaning these doctors,
this isn’t pseudo science or anything like that,
we have actual MDs that are using the
science of MRI. It’s generally accepted
in the legal community and medical community
so it’s something that you don’t have
to worry about, that adjusters are going
to know that they have to add value to your
claim based on it. The fourth thing that I have
is that bills and records will allow further
treatment and the possibility of even
things like surgery. So if you get these
records early and you can see what
your injuries are, it’s very apparent
what needs to happen then down the line
so that doctors, you can send these
images to different orthopedic doctors,
to possible surgeons, and they can look at
the 3D images and say, “Look, this what
I think you need to do to treat moving forward.” Getting the treatment that
you need to get better is part of adding value
to your claim because if you just sit on something,
you don’t have the images, you’re just sitting in
pain, you’re not getting treatment, you’re not
adding value to your claim. You want to make sure
that you’re getting the right diagnosis,
which would be the MRI, that would then later
justify for their treatment. Then finally, five,
you’re not guessing as to what happened
and that can, believe it or not, happen
with a lot of claims. People go to a doctor,
they have some scans done, maybe not in the right
areas of their body or they’re just
told that it looks like it’s a whiplash situation, that they can do some
physical therapy. Later on down the line
they see complications and they end up getting
an MRI and realizing that there was more to it,
there’s more to the story there. Those are the ways that it can help your claim move forward. Adding value, number one,
insurance adjusters are always willing to give value
to hard proof of injury. We already kind of
told you that an actual image of the injury is
going to be hard proof and adjusters actually will
add value to your claim. They’ll give you more money
for a number of different reasons if they can actually
see something on a scan. Two, the bill from the
MRI is reimbursable. So that’s actually something
you don’t have to worry about, “Okay am I adding too
many costs to my claim?” The reality is is that’s going
to be a reimbursable amount and you can only add
value from getting that. You know sometimes
you have to spend a little money to get
value to your claim. So that’s definitely
something that’s one that would later get
reimbursed plus it can add a lot of value
to your claim. Number three, if we look
at past x-rays and CT-scans and MRIs and now you’ve
got a new MRI for your new accident, it’s
very valuable for us to go back and show, look,
here’s what the back looked like before, or the arm. Now we have a new MRI
that shows that there’s some damage that’s
completely new. It wasn’t a pre-existing injury. It wasn’t something that was
there before on the scans and that can be very compelling. Number four, the 3D
imaging that MRIs have is very valuable to your
claim in a number of ways. It also can get you the
treatment you need to heal. If these doctors that
you’re sending this image to can look at it in 3D,
they’re going to be much more likely to get you
on a recovery plan that is beneficial to you
that takes into account your injury that is
not missing anything. There’s no doubt about
where the injury is, what the treatment protocol
will be moving forward to make sure that
you’re getting healed. So that’s a great
benefit to your case. Number five, we have
already talked about this. With X-rays, there’s some
kind of harmful radiation. You don’t have that with MRIs. It uses magnetics. It’s actually a
very quick process. It can take 30 minutes
but for you to go in. Usually there’s imaging
facilities that are separate from your doctor’s office
that you’ll be sent off to. They do a very good
job of getting you in and scheduled at the right time. It’s not harmful to
your body so it’s a good way to go for
your injury claim. Then finally, pain
and suffering will be implied by certain results. What I mean by that is that
if you have an MRI done and you can see very
clearly that there is soft tissue injuries
or maybe broken bones, that they’re getting pinched
nerves, that kind of thing. If we can see that, the
second part of your claim is pain and suffering
and some of that pain and suffering is going
to implied by these images. No one’s going to argue
that if you have severely bulging discs in your
back that there would be no pain and suffering
associated with that. It’s a good thing to get
all these value added accomplishments with
one thing, an MRI, so I would highly recommend
that if your doctor does want you to get an MRI to get
that scheduled right away. Personal injury attorneys
appreciate that. If you have
questions about that, my name’s John Kelly. I work with the Kelly Law Team. You can reach my office
with any questions about this at 602-283-4122. Thanks.

20 thoughts on “How an MRI can increase the settlement of a personal injury claim- Kelly Law Team

  1. i have a workers comp case is about to settle in 2 monts but i never had a MRI because the insurance denide my doctor told me i need an MRI but my attorney told me if the insurance denided the mri is because you dont need it do you think is that correct??? can i go for the MRI by my own???

  2. Will CT scans help ?I had an employee of an HOA push me into my car putting my back out. I went to the emergency room afterwards and got a CT scan showing bulging and slipped disc in lowerback.

  3. Thanks for the videos. Its very informative. So i was involved in a slip and fall. Sprained Wrist and Lumbar strain. MRI found nothing but I feel back pain and numbness on my calf. The doctor told me to do PT. PT seems to flare up my back. How is this calculated and I m worried it might come back in the future if I settle now. What do you think I should do? Have you ever had a case this? Thanks in Advance!

  4. Such an exhausting process for me. I am coming up on two years since my accident and just finally getting to mediation this month. I was not at fault in the accident. The at fault party has allstate insurance which I am hearing is the worse as far as not wanting to play fairly when it comes to settlement. I had 40K of medical bills and they came back and said they would only pay 19K. It was then my attorney filed the lawsuit. Unfortunately in my state the insurance min limits are low and I doubt the at fault as any assets as she only has the min amount of insurance. I am hoping I can make a claim if need be from my own insurance has I had well over the minimum amount of insurance plus coverage for uninsured and underinsured. If anything I am pushing for her policy limits.

  5. First thing, if you go ahead and do the MRI by yourself you're gonna have to pay for it. Secondly you need to change your attorney because he's not fighting for you.

  6. I've been diagnosed 80% permanently disabled as of my 3rd surgery in 2010. My last MRI indicated that I need to have 4th surgery done by a team of surgeons with high risk of paralysis . WC has denied me this and all my medicine and injections for over 5 years but yet approve me to see pain Mgmt doctors who get paid every 4 weeks . Now what ?

  7. I had car accident ( not my fault)
    At time I’m ok but but nights I fill little back neck pain !

    What I do ! Now is 5 day !

  8. I was in a car accident dec 25 2017. I have had xrays twice since then and they say nothing is wrong. I did pt one week through Kaiser and it didnt help. I know something is wrong with my back and I am constantly in pain.the person at fault said I have 2 years to file a claim as the driver was at fault and they live out of state.do I even have a.case now? Should I insist for a MRI with Kaiser

  9. I just went for an MRI today slipped disc in my neck 3 car accidents in 3 months none of them my fault two of them were hit and runs with injuries I caught both them motherfuckers

  10. Cannot even get my antibiotic prescription reimbursement on a laceration of calf muscle with a used toilet that broke on a liftgate. Was bleeding out on HR office floor and forced to fill out incident reports and drug test forms before I was given the clinic name to get medical. Worked a month "no restrictions" and destroyed ankle, foot, calf, by overcompensation to protect laceration. Went to clinic approved by company and refused service even if I paid cash. All medical, wage loss denied and now the opt out insurance has doctors I've never seen summiting reports on my condition. Under DOT FMCSR and ordered back to work under the influence of drugs totally forbidden by semi-drivers. Have a pile of requests for MRI, X rays, vascular tests, but all denied and referrals to neurologists on alleged compressed nerve denied.  Adjuster drags out, waits, reevaluates, deny. My attorney says my wage loss is over $10,000 and just hang in there. Could of been fixed and back to work for cheaper??

  11. If you make just above minimum wage and no lawyer will take you, what can you do? (workers comp Tennessee)

  12. A deer total my car. I suffered whiplash, I sprained my neck, my upper back, and my lower back. I been going to rehab for a month now. I have state farm what am I looking at for pain and suffering. I did a mri, and xrays

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