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The fact is, brain-damaged car accident victims often go undetected in the emergency room, preventing insurance companies from getting adequate compensation. I recently received a call from a woman who ended up in a high speed car crash and was pushed into the back of the car in front of her. In other words, a double effect. The mechanics of the accident are obvious, her head jerked back and forth violently 2 times.
In the emergency room, she had a headache but denied being unconscious, although she had no memory of the accident. Of course, a CT scan of the brain showed no acute intracranial problems. So she was discharged with a possible minor brain injury. For some reason, she decided to see a chiropractor for the headache and returned to work. The work turned out to be a disaster for her. She was completely disorganized. She had extreme memory and concentration difficulties and continued to have headaches. Her colleagues noticed all her problems. Her GP referred her to a specialist.
This case is new to my memory, but it highlights several issues the client is now facing with her insurance company. Problem is, she’s unemployed now, but the insurance company won’t pay her lost wages. The insurance company cannot understand why she is now unemployed. After the accident, she went back to work. The reason is that she didn’t understand that she had suffered a traumatic brain injury.
It’s a question of credibility with the insurance company. Due to the doubts they now have about her injury, she is sent for an independent medical evaluation. In other words, the medical specialist selected by the insurance company. In this case, however, even their expert will admit that the client is suffering from the effects of a traumatic brain injury.
The challenge in these cases is the misconception about the consequences of traumatic brain injury. The person has a normal brain scan and looks normal, so they must be normal. But beneath the surface, her life falls apart.
I read psychological reports where the client tells the therapist they think they are going insane. You have no energy. You’re depressed all the time. You can’t concentrate like you used to. Headaches affect their concentration. All of these can contribute to emotional and personality changes.
The insurance company then looks for ways to counteract the customer’s symptoms. They will try to find problems in their history. Did the client have headaches or emotional and psychological problems before the accident? For example, a recent divorce could be a goal.
The onslaught of insurance skeptics can best be countered with neuropsychological evaluation. Neuropsychological examination can provide clues to brain damage that are not available through traditional neurological examinations. The evaluation is carried out with individual objective tests and standardized test batteries. The neuropsychological examination serves to effectively recognize or rule out simulations.
The bottom line is that the neuropsychological evaluation is the first line of attack against the rogue insurance company looking to deny or reduce the value of a claim after suffering a serious brain injury in a car accident.
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