You were probably thinking about whether there is a minor injury guideline that everyone needs to follow. The answer is Yes, there is. But what is that, right? This article will help you find your answer.
In this article, you will learn about minor injury guidelines, their objectives, and much more. So, let’s start with the basics.
What is a Minor Injury Guideline?
We know “minor injury” as a part of the minor injury guideline (MIG). Based on SABS – Statutory Accident Benefits Schedule, an accident can bring several outcomes.
However, there are different types of injuries. If you want to get your accident benefits to claim, you need to provide solid proof.
According to SABS, there are three types of injury which are:
- Minor injury
- Catastrophic injury
- Non-catastrophic injury.
Let’s get into the details of different types of injuries.
Minor Injury
Minor injuries are an injury of muscle or soft tissue. Minor injuries can be physical or psychological, which is an obstacle to your finance and health.
We often face these injuries in our lives. However, there are fewer benefits in minor injuries, whereas major injuries have more.
Some of the minor injuries are abrasion, sprain, contusion, strain, etc.
Catastrophic Injury
Catastrophic injuries are injuries that are serious and require surgeries. In addition, these injuries are severe cases that sometimes hampers life.
Some example of catastrophic injury is construction injuries, motor vehicle accidents, motor vehicle crash, paralysis, etc.
Non-catastrophic Injury
Non-catastrophic injuries aren’t severe injuries like catastrophic injuries, but they aren’t minor injuries.
You can fully recover from non-catastrophic injury, and they don’t leave any weakening effect in the future.
The Objective of Minor Injury Guideline
You might think that minor injury is complicated; they have three main objectives.
They are:
- Proper treatment: The new rules permit easier access to rehabilitation services and therapy without prior insurance company permission, so long as the victim had an accident classified by MIG as a “minor injury;”
- Increase the utilization: The objectives of the legislation include “improving utilization of health care resources;” and
- Reduce costs: With more certainty regarding the costs and payments they will need to make for injured victims, insurers and the healthcare industry can now plan more effectively and cut costs.
Through the objectives, injured people can get better goods and services from the MIG insurance companies.
Proper treatment aims to provide proper treatment to rehabilitation. On the other hand, through increasing utilization, we can improve health care resources. Additionally, by reducing expenses, MIG manages to help the injured people be functional again.
Functional Restoration
The insurance companies provide better goods and services through a functional restoration approach. The functional approach is taking an injured person to a better state of being practical.
The approach can have different perspectives from injured people and insurance companies. Additionally, the MIG limits the goods and services, which stops the injured people from recovering properly.
How to Treat Minor Injury Guidelines?
The 12 weeks long treatment course is divided into three blocks by minor injury guidelines. In the three different blocks, people of the medical help the injured people.
Sometimes, these people even provide goods that injured ones need to recover, e.g. ice packs, lumbar roll, etc. However, the total cost is about $3500, which insurance companies provide.
However, extended health benefits would be profitable for insurance companies. If a person has extended health benefits, first, they need to access those extended health benefits. In such cases, the MIG cannot deduct the $3500 amount.
Minor Injury Guideline Insurance
Most lawyers find the amount of MIG given to be limited, which isn’t enough to recover properly. If you’re claiming for major injury, it is essential to prove them.
If you can prove that your injury is severe, you might claim higher claim benefits. Nevertheless, if you show your injury is major, the amount of $3500 would go up to $65000.
One common phrase is “compelling evidence,” which is very important. The phrase means to provide a piece of strong evidence to prove your claim. For example, if you claim for minor injury, you need to prove it.
In most cases, you still can’t prove “minor” injuries with proper evidence because insurers want the payment to below. Therefore, the minor pain remains for a longer time.
If there are cases of major injuries, the insurance companies compel to pay the injured person based on the medical reports. In some cases, the judicial comes to help the injured ones.
Conclusion
Minor injury guidelines are easy to understand. However, it is tough to prove minor injuries to insurance companies.
If you can’t negotiate properly, it is better to take the help of professionals. Experienced professionals can always help you win your claims. They are always capable of getting proper evidence of medical reports or evidence.
So, start working with a professional to get proper accident benefit claims with the best options available!
Frequently Asked Questions
What is the Minor Injury Guideline?
Minor injury guideline (MIG) is a guide to help injured people to cover the goods and services. However, insurance companies provide the goods and services until the person is back to being functional.
What’s Considered a Minor Injury?
Minor injuries are an injury of a muscle or soft tissue. However, they can be physical or psychological. Some common minor injuries are sprain, neck pain, sore back, etc.
What is a MIG Assessment?
From the 1990 “no-fault” bill, insurance companies have their way of processing the claims. The accident benefits claims are developing through time based on eligibility. Additionally, the injured people can sometimes request to attend the insurance companies’ examinations.
What is a Catastrophic Injury?
Catastrophic injuries are injuries that are serious and require surgeries. In addition, these injuries are severe cases that sometimes hampers life. i.e. motor vehicle accidents, motor vehicle crashes, paralysis, etc.
