Why MMI Matters
You should not settle your case before reaching MMI because:
- Your full damages cannot be calculated until your condition stabilizes
- Future medical needs cannot be accurately projected
- Settling too early often means settling too low
Who Determines MMI?
Your treating physician determines when you have reached MMI. The insurance company's doctor may disagree (usually claiming you reached MMI earlier to reduce the claim value).
After MMI
Once you reach MMI, your attorney can calculate your total damages including past medical expenses, future medical needs, permanent impairment, lost wages, and loss of earning capacity. This is when your demand letter is sent.