If you suffer scarring from your accident, you should know the basics on how they are valued by the insurance company. Scars that do not heal are something that you will have to carry around for the rest of your life. The value of your scar depends on many factors. The most important of those are:
1.) Location of the scar;
2.) The permanency of the scar;
3.) Whether the scar is capable of being covered up by clothing; and,
4.) Your age and gender.
Scars can be generally considered on a sliding scale between two extremes. Insurance adjusters are trained to understand that juries will assign permanent facial scarring to a young girl’s face much higher than they would a scar to a man’s arm that is capable of being covered up. Imagine your scar on this sliding scale to estimate how the insurance company will treat it.
It is in your best interest to wait until the scar has fully healed before making a demand to the insurance company. Often this means waiting 4-6 months, depending on the scar, to ascertain just how permanent it may be.
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