How MRI Findings Affect Claim Value

Why Imaging Matters

Objective findings give the file structural support that subjective complaints alone do not. Adjusters typically weight imaging-supported narratives more heavily than narrative alone.

How Adjusters Evaluate Imaging

Carriers compare imaging to prior studies (when available), correlate findings to reported symptoms, review provider interpretation, and weigh whether findings are acute, degenerative, or aggravated.

Common Claimant Mistakes

• ✓Assuming a positive MRI guarantees a higher offer
• ✓Failing to obtain prior imaging for comparison
• ✓Not aligning provider narrative with imaging findings

How Insurance Carriers Evaluate the File

Insurance carriers typically review the entire claim file — incident facts, liability, medical records, imaging, treatment timeline, provider notes, wage loss documentation, communication history, and prior medical history. Diagnosis alone rarely determines value; the consistency, completeness, and credibility of the file across time often matters more.