The Injuries Insurance Companies Take Seriously (And the Ones They Don’t)

Let’s be real—not all car accident injuries are treated the same, especially by insurance companies. You might be in serious pain. You might have missed work. You might be struggling. But if your injury doesn’t meet their definition of “serious”? They’ll try to brush you off, lowball you, or deny your claim outright.

At SELPH LAW, we don’t play that game. We know how to get insurance companies to pay attention—and we know which injuries they take seriously because they cost them serious money. If you’ve been in a crash and you’re dealing with a major injury, call us at (614)-453-0971 for a FREE case review.

Let’s Talk About What “Serious Injury” Means to an Insurance Company

Insurance companies don’t care how you feel. They care about what they have to pay. That means they take injuries seriously when:

They require emergency treatment or hospitalization

They show up clearly on imaging (MRI, CT, X-rays)

They involve surgery, long-term care, or disability

They result in visible disfigurement, scarring, or permanent impairment

Everything else? To them, it’s “soft tissue” and “subjective.” Translation: they’ll fight you on it.

Injuries Insurance Companies TAKE Seriously:

✔️ Broken Bones

Fractures show up clearly on X-rays. They’re hard to deny, and they come with real medical costs and recovery time.

✔️ Spinal Injuries (Especially With Herniated or Bulging Discs)

MRI-confirmed disc injuries that require injections, surgery, or prevent you from working? Big-time value.

✔️ Traumatic Brain Injuries (TBI)

Even “mild” TBIs can have massive payouts if documented right. We’ve seen concussions and cognitive symptoms become multi-six-figure cases.

✔️ Internal Injuries or Organ Damage

These can be life-threatening and often require emergency surgery. Insurance companies know these are expensive—and risky if they go to trial.

✔️ Amputations, Burn Injuries, and Permanent Disability

These are life-altering injuries with long-term costs, loss of earning capacity, and major emotional impact. High-value cases, period.

✔️ Hospital Admissions and Surgeries

Even if your injury doesn’t sound catastrophic, an overnight hospital stay or surgery forces the insurance company to take you seriously.

Injuries Insurance Companies DON’T Take Seriously (Even When They Should):

❌ Whiplash and Neck Strain (Without Imaging or ER Visit)

If you didn’t go to the hospital or don’t have an MRI? They’ll call it “just a sprain” and offer you next to nothing.

❌ Soft Tissue Injuries With Delayed Treatment

If you didn’t get medical attention within a day or two of the crash, the insurance company will say your pain isn’t related.

❌ “Minor” Concussions Without Objective Evidence

Unless you have documented loss of consciousness, ER records, or neurological follow-up, they’ll claim you’re just “stressed.”

❌ Emotional Distress Without Physical Injury

Insurance adjusters don’t pay for emotional trauma unless it’s tied to visible or medically-supported physical injury.

How This Helps You as a Potential Client

We want to be clear: we believe you. But the legal system and insurance companies run on documentation and damage models. If you’re dealing with one of the high-value injuries listed above, you need an attorney who knows how to prove it, protect it, and pursue the full value.

That’s what we do.

If your injury is one the insurance companies take seriously—we take it seriously too. We’ve recovered massive settlements for clients with the right evidence, treatment, and timing.

✅ Call SELPH LAW at (614)-453-0971 to see what your case is really worth.

What You Should Do Right Now If You’ve Been Seriously Injured

1️⃣ Get Medical Attention Immediately – Go to the ER, urgent care, or your primary doctor.

2️⃣ Get Imaging Done – X-rays, MRIs, and CT scans help prove your injury is real and serious.

3️⃣ Don’t Talk to the Insurance Company – They will try to downplay everything you say. Let us speak for you.

4️⃣ Call SELPH LAW for a FREE Case Review – We’ll let you know what kind of case you have and how we can help.

Call SELPH LAW – We Take Big Injury Cases Seriously

We’re not here for lowball claims and minor bumps. We’re here for real people with real injuries who need a firm that knows how to maximize value and fight back.

📞 Call (614)-453-0971 now for your FREE consultation. No fees unless we win. Let’s talk about what your injury is truly worth.

The Injuries Insurance Companies Take Seriously (And the Ones They Don’t)

The Injuries Insurance Companies Take Seriously (And the Ones They Don’t)

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