My Insurance Company Says My Accident Case is a Mist Claim, What Does That Mean?
Excellent question if you want to understand or maximize the settlement value of your accident case. Here is the information.
MIST stands for Minimal Impact Soft Tissue. Insurance companies use this term as a way to classify accident cases. Generally, for an auto accident claim to be classified as a MIST, the insurance adjuster has “evaluated” the property damages and out-of-pocket expenses for the claimant. If the adjuster sees $1,000 to $1,500 or less of property damage to the vehicle and minimal out-of-pocket expenses for medical care and loss of wages, the case is marked a MIST claim. Once a claim has been marked as a MIST the claimant will be offered only a minimum settlement.
As a side note, remember that visible damage to a vehicle does not always reflect the severity of impact in an accident. For example, there could be damage to the frame of the car or other hidden damages that could adjust the amount of property damage and thus the settlement value of the case.
Understanding how insurance companies and adjusters work and the methodology of their computer models they use to evaluate claims is very important in being fairly compensated in an accident case. For that reason, the lawyers and case manages at this law office have advanced training on just this topic. Having this “insiders” information helps us present cases to the insurance companies and adjusters in a way that maximizes our client’s settlement value.
For more information on the value of accident cases, please see:
- How much money is my accident case worth? How can I determine the value of my personal injury case?
- How can you determine the value of your personal injury, case – what is my case worth?
Hello, I am Jeffrey Meldon. As an accident attorney, I strongly believe that public education is the first step in the prevention of an accident or in the recovery from one.
My Office and Associates are located in Gainesville, Florida. We are Personal Injury Attorneys (Accident Lawyers). I take pride in my work and the results that I and my experienced team of Associates and Staff get for our clients.
Everyone in my Office works hard to help accident victims get the justice and the fair settlement or jury verdict that they deserve throughout the North and Central Florida area including: Ocala, Marion County, Alachua County, Lake City, Citrus County, Daytona Beach, and Inverness. I am highly involved with every case in my office and am the negotiator with insurance companies.
You can feel free to give me a call at 800-373-8000 or contact my office, with any questions you may have, or to discuss your unique case.
Consultations and Case Evaluations are always Free.