What is a disability rating?
A disability rating is usually performed by a medical doctor. It measures the car accident victim’s inability to complete any substantial gainful activity successfully that the person was previously able to complete before their injury, which inevitably caused their impairment.
What is an impairment rating?
Used with a disability rating, an impairment rating is a medical assessment (also performed by a medical doctor) of a car accident victim’s physical loss of function or capability of a part of their body from the collision. This is measured as a percentage of loss of use of the whole body (which is 100%). This is done so that a personal not in the medical field, such as an insurance adjuster, can understand how much of the victim’s body is permanently impaired.
If you have become permanently physically impaired from an auto collision, there is a possible substantial monetary benefit to obtaining an impairment rating from your treating doctor. Our office would use an impairment rating in your personal injury claim to maximize the compensation due to you. A good example would be a broken arm: You are only able to lift 5-10 pounds for the rest of your life, which your medical doctor has stated, but your job requires you to lift 30+ pounds each day. Pursuing an impairment rating from the doctor would allow our office to claim future loss of earnings, which would be calculated from your impairment rating, current income, projected raises, and your projected work expectancy based on your age.
Navigating a personal injury claim is not recommended for a car accident claim due to the complicated dealings with insurance companies and many other factors. For a free case evaluation, please call 706-389-4375 or contact us online for a free consultation.