The Often Overlooked Defense of “No Sudden Mechanical or Structural Change in the Body”
It is important for the Virginia adjuster to closely examine whether the claimant has indeed suffered a “sudden mechanical or structural change in the body.” If not, the claim should be denied. This defense is often overlooked in Virginia. The determination as to whether the claimant has suffered a “sudden mechanical or structural change in the body” requires a close examination of the medical records and often a specific inquiry to the treating physician(s) in appropriate cases. The Virginia adjuster should be mindful of this potential denial of a claim particularly in cases involving pre-existing condition and/or in instances where...
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