You are the victim of a car accident and have been experiencing pain in your back or neck since. It is now time for settlement and you have been diagnosed with a bulging disk in your back or neck. Why would an insurance adjuster is refuse to pay for this diagnosis?
Normally a bulging disk is considered percentage of the aging process. Over time the disk extends outside the space it will have to ordinarily occupy. On the other hand a herniated disk results when there is a crack in the disk cartilage permitting the softer material to protrude out of the disk. A ruptured disk or a slipped disk is likewise know as a herniated disk. A bulging disk may become herniated.
A bulging disk may have been in existence prior to the collision; however, it may not have been painful. Now after the accident this bulging disk is generating pain and in a great deal of instances debilitating pain. The only way to provide proof to the insurance company that you were not in pain prior to the collision is to offer up past medical records. The absence of documentation, treatment and/or prescriptions to treat the pain affiliated with your bulging disk ought to be sufficient to prove you were not experiencing this level of pain that you are presently suffering from.
Bottom line insurance companies are making it harder for minor fender benders to recover on their medical bills. One way around this is to deny medical bills based on claims that could be classified as attributable to the aging process. In other words their assert is, it was a pre-existing injury and accordingly they are not required to recompense you. This produces a big savings to the insurance companies. Bottom line, the adjuster works for the insurance company and it is their occupation to undertake and save cash for their employer.