"I've never been in so much pain in my life." When the claim adjuster hears these famous words but the trauma that led to the claim was minor, believability becomes the issue. Now science and technology may be coming to the adjuster's rescue.
Pain has always been a nebulous factor for evaluation in a casualty claim. The fact that pain, suffering, and discomfort are elements of general damages in a liability claim makes proving the damages an issue. The burden falls to the claimant, but the adjuster cannot just sit around and await the notorious "package."
It is well known that pain is experienced differently by people. Some have a high tolerance for pain, whereas others have a low threshold. Sociological factors often play a role in how people experience pain. A social environment may encourage individuals to be stoic about their aches and pains, while others complain bitterly (and often) about even slight discomfort. The adjuster must deal with both types.
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