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Why Do I Need To Wait Until I Reach Maximum Medical Improvement To Settle?

Torem & Associates

One of the most common questions our attorneys answer is, “How long does it take to settle my accident claim?” We understand that being injured in an accident creates a financial strain in addition to the physical injuries and emotional stress caused by the accident. The insurance company for the other driver often takes advantage of the victim’s financial situation to push for a quick settlement.

Unfortunately, the compensation received in a quick settlement is usually much lower than the true value of the case. It is in the best interest of the insurance company to push a quick settlement before the accident victim can do two things:

  • Learn the full extent of his or her injuries AND
  • Consult with a Fresno accident attorney

It is important that you consult a Fresno accident attorney as soon as possible to discuss your right to receive full compensation for your injuries. Call Torem & Associates at (888) 500-5000 to schedule a free consultation with one of our attorneys before you agree to any settlement with the insurance company.

What Is Maximum Medical Improvement?

Maximum medical improvement is the stage in your recovery when you have improved as much as you will improve. For some accident victims, maximum medical improvement means they have fully recovered from their injuries. There is no permanent damage or disability related to the accident. However, this is not the case for all victims.

For example, for someone who suffers a traumatic brain injury in a car accident, that person may suffer permanent memory loss, paralysis, impaired vision, or other disability due to the brain injury. Maximum medical improvement for this accident victim is not a full recovery. The person will reach a point where he or she will not improve anymore. The damage is permanent, and the person must learn to live with the disability.

Why Is It Important To Wait Until You Reach Maximum Medical Improvement to Settle Your Accident Claim?

Under California’s personal injury laws, you are entitled to receive compensation for permanent disabilities, future lost wages, and future medical expenses related to an injury caused by another person. It is impossible to know the full extent of your future damages until you reach maximum medical improvement (MMI). If you settle before this point, you may receive much less than you would receive if you wait until your doctor says you have reached MMI.

Even if you will not suffer from a permanent disability, settling before you reach MMI can still cost you money. For example, if you need to have a second surgery because of an unknown injury, you cannot go back to the insurance company to demand payment if you have already settled your claim.

Therefore, it is crucial that you wait until you receive MMI before you settle your claim. The insurance adjuster for the other party will not explain this to you. It is his job to pay as little as possible to settle your claim. You need an experienced Fresno accident attorney on your side protecting your best interest.

Call A Fresno Accident Attorney Now

If you have more questions about maximum medical improvement and accident claims, contact our office to speak with a Fresno accident attorney. We want to help you recover the compensation you are entitled to receive under California’s personal injury laws.

When you need an injury attorney in Fresno or the surrounding Central California Valley area, call Torem & Associates at (888) 500-5000. You may also chat with a representative online or use our convenient online contact form to schedule a free consultation


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