A permanent injury is defined as damage to the body or an organ that cannot be improved in the future.
For a personal injury to qualify for compensation, it must be the result of a so-called accident. An accident occurs when three factors occur simultaneously:
- When the event happens regardless of the victim’s will.
- When the event is initiated by an external cause and directly results in damage to the body.
- When the victim does not act to deliberately cause the accident.
Permanent injuries can range from a broken arm as a result of a trip and fall, to a heart attack caused by long-term stress from work. In essence, it can be a physical casualty, but also an impairment of health. If an accident occurs at work, the victim is qualified to be compensated under workers’ compensation. Rules and regulations vary by state.
The difference between permanent and long-term injuries is distinguished by the insurance industry. Both types of injuries present problems to the body’s efficiency. A leg fracture can be permanent, but the appearance of wounds or bruises can be short term. Scratches, on the other hand, do not affect the overall fitness of the body, usually do not restrict movement, and do not prevent basic activities. In short, permanent damage to the body is not likely to improve. Long-term damage to health, on the other hand, is one that occurs for a minimum of 6 months but may disappear after some time.
Compensation for permanent personal injuries is dealt with by a variety of specialist doctors. The degree of impairment of an injury can only be made accurate by a doctor’s diagnosis. Tables of standards are created to decide the amount of compensation for a given injury. Both injuries and the value amount are calculated in percentages. Depending on the percentage of an injury, a different benefit is paid. These tables list the different types of injuries and the percentage of health damage determined by the insurance company. If an injury is not listed in the table, the degree of damage is determined based on the closest injury. This is used both during the settlement process and in trial. It is worth noting that, thanks to such standards, the occurrence of differences in the assessment of a given case by a medical commission is reduced to a minimum.