Physical sequelae

The physical sequelae can be temporary or permanentdepending on the severity of the injuries. Some sequels may require rehabilitation long-term or continuous treatments. Permanent physical sequelae include physical disabilities, visible scars, chronic pain, mobility limitations etc.

They may have a significant impact on the quality of life of the people concerned, limiting their physical and functional capacities, and affecting their emotional and psychological well-being.

Even in the case of disabilities, they may require lifestyle adaptations, home or workplace changes, as well as the need for assistance.

The role of insurance in physical sequelae

In the face of a physical sequel caused by an insured event, we must do the claim the insurance.

1. Evaluation process

Following this claim, the insurer will initiate the evaluation processdetailed medical assessments and documentary evidence to support the severity and permanence of the injuries will be required. Insurers consider the long-term impact of physical sequelae when determining the compensation for damages.

2. Rehabilitation and treatment

Some sequels will need to rehabilitation treatment for recovery and management. Insurers can provide coverage for medical treatment necessary for the recovery of physical sequelae, such as physical, occupational or psychological therapy. This may include rehabilitation sessions, purchase of medical devices or adaptations in the environment of the insured person.

3. Compensation for damages

Based on the evaluations carried out, the Sure. determines the amount of compensation for the insured person concerned physical sequels. This compensation may cover medical expenses, loss of income due to inability to work, rehabilitation costs, household adaptations, among others.

In short, insurance plays a crucial role in the management of physical sequelae by providing adequate assessment, financial compensation and access to medical treatment for insured persons affected by insured events such as traffic accidents.