Common Tricks Used By Insurance Companies To Claim "pre-existing Injuries"

One common trick played by insurance companies is to claim that a personal injury

victims injuries were pre-existing and therefore, their insured is not responsible for any damages. In truth, there are seldom any true cases involving pre-existing injuries when that term is given its plain and ordinary meaning.

A true pre-existing injury is one that already exists and was not affected by a new occurrence. Thus, if I already had a fractured leg and was involved in a RI car accident, my lawyer could not claim the fractured leg was caused in the car accident. This is so obvious that it almost never occurs.

Rather, consumers need to understand that simply because they have a past injury does NOT prevent them from retaining a RI personal injury lawyer and filing a claim for a personal injury. In fact, it is your right to do so.

Every first year law student learns about the eggshell plaintiff doctrine in his or her Torts class. The law recognizes that a pre-existing injury could make you more likely to suffer from an additional injury, even from a relatively mild collision. By law, the victim of an automobile collision must be accepted in the condition they were at the time of the collision. This means the person or people responsible for an automobile collision are fully liable for all injuries sustained by the victim, no matter how unforeseeable such injuries might be. Car accident attorneys refer to this as the Eggshell Plaintiff or Eggshell Skull principle, based on the idea that a theoretical victims condition may be so fragile that the slightest contact caused substantial injury to the victim. This concept applies to mental as well as physical injuries such as considering impact of an assault on Vietnam veterans post-traumatic stress syndrome.

Thus, consumers should know that insurance companies are fully liable for their insureds negligence that causes an aggravation or exacerbation of a pre-existing injury.

Also, the Eggshell Plaintiff principle only pertains to the damages a personal injury victim may recover. The Eggshell Plaintiff principle does not affect the standards for liability when determining fault for the automobile accident.

It is important for your car accident lawyer to understand your complete medical history to overcome these tricks played by the insurance companies and accurately present your case. Otherwise, insurance company defense lawyers will attempt to distort the record, distort the truth, and avoid taking responsibility for the injuries caused by their clients.

by: Mike Bottaro

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