When you file for an insurance claim in San Diego, the insurance company tries to detect gaps in your treatment history, which can be used in claim reduction. So, it is always recommended to maintain a consistent medical treatment as a supporting document. However, it has become imperative to understand this gap and how it can affect your claim. So, here we have a complete guide on securing your compensation.

What Leads to a Gap in Treatment?

If there is a significant lapse in your medical appointments because you could not attend them or if there is any delay in receiving the initial medical care right after the injury, these can be noted as gaps in treatment. Insurance adjusters use these circumstances as a chance to indicate that your injury was not so serious, so there was a deliberate gap in the treatment. It can also prove that the accident was not serious and the claim made should be reduced. However, this can only be tackled with the help of a lawyer at https://hhjtrialattorneys.com/

How Do Insurance Companies Take Advantage of Treatment Gaps?

Insurance companies are always looking for ways to reduce the claim amount. 

  • Questioning the Severity of the Injury

If there is a treatment gap, the insurance adjuster can argue that you do not need continuous medical attention, which also indicates that the injuries are minor or unrelated to the accident. They can also question the legitimacy of your claim and argue that a genuinely injured person would have received treatment that was missing in your case.

  • Attributing Injuries to Other Causes

The insurance adjusters can argue that the injury you claim might have occurred from an accident unrelated to any incident or the question. They can also use the treatment gap to say that the injury might have happened between the days of the accident and seeking treatment and not because of the accident reported.

  • Arguing Non-Compliance with Medical Advice

The insurance adjusters can also argue that you are not taking medical practitioners' suggestions for a speedy recovery to prove that the injuries are severe, creating a gap in the treatment. This would significantly reduce your claim value, and they can also argue that your lack of adherence has worsened the condition.

How Do Treatment Gaps Affect the Claim?

There are different ways in which you can do so. Below, we have discussed two crucial ways:

  • Reduced Compensation

If the insurance adjusters can prove the reason behind the treatment gap, then the compensation will be reduced. This would also reduce the insurance company's financial liability as the extent of medical care required would be questioned.

  • Claim Denial

If the treatment gap is vast, it can also lead to denial of the claim. The insurance adjuster can use the inconsistency in your medical report to argue that you do not need the claim by questioning the credibility of the injury allegation. 

Conclusion

You must immediately seek medical attention right after the injury to prevent treatment gaps. You should undergo a minute evaluation of the injury and get it documented to submit as evidence. Most importantly, you must maintain steady communication with the personal injury lawyer about transport issues, work commitments, or financial constraints that might be an obstacle to your treatment plan.