If you were hurt in a commercial truck accident, you may be anxious to settle your claim with the insurance company for the trucker and trucking company so you can get on with your life. However, you may need to wait for settlement negotiations until you reach maximum medical improvement (MMI) to receive all the compensation you deserve.
What Is Maximum Medical Improvement?
Maximum medical improvement is the stage in medical treatment where you've fully recovered from the injuries—or have recovered as much as possible and your doctor provides a final prognosis. If you suffered more than one injury, which is common in large truck accidents, you may have to wait on the status of more than one MMI decision before resolving your claim.
Why Reaching MMI Helps You Obtain More Compensation in Your Settlement
Under Kansas and Missouri laws, you're entitled to be compensated for your past and future medical expenses, lost wages, and pain and suffering. This obviously works in your favor, but only if MMI is fully examined. There are two critical reasons why.
Your MMI Is Necessary to Calculate Your Damages
You need the assistance of a truck accident lawyer to skillfully determine the value of your economic and non-economic damages. However, he won't able to accurately estimate the amount of future compensation unless:
- You've recovered to the fullest extent possible.
- Your physician confirms the final prognosis on future medical treatments and assesses how your injuries impact your ability to work.
Your Settlement Is Final
Once you settle the claim with the insurance company, this is the final agreement. You can't go back to the carrier, the truck operator, or the transportation company for additional compensation if you discover more medical treatments are necessary or that you're not able to work after all. Because of the finality of your settlement, it's crucial for it to include all past and projected future damages.
Were You Injured In a Kansas City Area Truck Accident?