Tae & Partners

Glossary / Every claim

Pre existing condition

All statesEvery claim

An injury or illness the person already had before the accident. It does not bar a claim, but the insurer will try to attribute symptoms to it.

A pre existing condition is relevant to causation and to the assessment of impairment. The claim covers the aggravation the accident caused, not the condition as it was before. Medical records from before the accident are the evidence that separates the two, which is why gaps in treatment history matter.