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Claims Assessment Cases - Permanent Impairment

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Many large insurance companies use the Colossus software to determine how much they will offer to pay to settle a personal injury case. The software inputs a variety of factors that can either increase or decrease the value of a claim, with certain factors carrying an outsized influence on the calculations. One of the factors that are among the most significant upward drivers of value for a claim is a permanent impairment designation.

Colossus utilizes the American Medical Association’s (AMA) Guides to the Evaluation of Permanent Impairment to evaluate claims of personal impairment. The AMA defines permanent impairment as an injury or illness resulting in long-term loss of a body part or reduction of body function. Once a patient has reached Maximum Medical Improvement, physicians use the AMA Guides to assess a patient’s impairment and document findings, according to the AMA. Under this system, there are certain injuries that, by themselves, automatically come with a permanency rating. For example, a fracture of the lumbar spine carries a permanency rating under the AMA guidelines, even if it may not require long-term treatment.

Getting the impairment rating early is critical as insurers will use records reflecting a missing rating to reduce any later impairment rating. Many lawyers often also have medical specialists who are knowledgeable about the AMA guidelines that they will refer clients to for the purposes of completing the necessary evaluations.

It is critical that you have an attorney who understands personal impairment and the ratings system at hand when looking to maximize settlement value on your personal injury claim. For help navigating the complex world of personal injury claims, contact KI Legal Personal Injury and sit down for a free consultation with our team of experienced attorneys. Call (212) 404-8605 or email today.




This information is the most up to date news available as of the date posted. Please be advised that any information posted on the KI Legal Blog or Social Channels is being supplied for informational purposes only and is subject to change at any time. For more information, and clarity surrounding your individual organization or current situation, contact a member of the KI Legal team.


KI Legal Personal Injury fights for victims of a wide array of personal injury claims, from Motor Vehicle Accidents to Scaffolding and Ladder Falls to Slip/Trip & Falls, amongst others. By leveraging its multidisciplinary foundation and, with the help of its experienced litigators, KI Legal Personal Injury can fight for the results and compensation that victims deserve without pushing for premature settlements due to financial reasons. This financial paradigm shift swings the pendulum in our favor when it comes to negotiating with insurance carriers, inherently leading to better results for clients. For the latest updates.

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