How to File a Bodily Injury Claim After a Car Accident
After filing the claim, you will be working with an adjuster for the insurance company. Be careful when dealing with the insurance adjuster! The insurance company may try to limit or deny your claim, and you cannot give them a reason to do so by making a mistake when you file. Have all the documentation that explains the accident and details the medical treatment you have received and will continue to receive. As the claim process goes on, keep all documents related to your treatment and make sure the insurance company is aware of your progress. Also, be sure you stay on top of the issue until you get the car injury settlement you deserve.
Personal Injury Car Accident Checklist
Medical Care and Expenses: Keep detailed records of any and all medical treatment you receive as a result of the accident. Write down any and all visits to hospitals, clinics or doctors’ offices. This includes any type of medical treatment, so physical therapy, mental health appointments and dentist appointments should be documented as well. Keep receipts for all expenditures, including co-pays on office visits. Keep a log of prescriptions, including your out-of-pocket cost for the prescriptions. You will want to keep track of any over-the-counter medication as well. For each and every entry in your log, mark the date and, if possible, the time. Save receipts to prove your expenses.
In this example, the head injury caused the woman to have difficulty with basic tasks such as balancing, hearing and seeing. The accident significantly reduced her present quality of life and there is no guarantee that she will ever fully recover from her injuries.
What Are the Most Common Car Accident Injuries?
Not all common car accident injuries are physical, particularly if the crash is serious. Drivers and passengers involved in serious and fatal car accidents can suffer from severe emotional distress and develop symptoms of post traumatic stress disorder, or PTSD, as a result of the crash. Typically you must show that the emotional distress has negatively impacted your life in order to pursue insurance money or legal damages. For example, if you can no longer sleep, eat, go to work, or interact with your loved ones, then you may be entitled to compensation for emotional distress after a car accident.
Personal Injury Insurance Claims After a Car Accident
Dealing with an insurance company can be difficult in any
circumstances. After a car accident, it can be even more daunting to
face the task of providing all the necessary documentation to the
insurer and to engage in claim settlement negotiations.
An experienced personal injury attorney can ease some of the burden by
engaging in fact-finding, gathering the necessary documentation, and
crafting concise and thorough demands for settlement of your claim. Learn more about what a car accident lawyer can do for you.
What are the Most Common Vehicle Accident Injuries?
Head injuries can take a number of forms, some relatively minor and others quite severe. A car’s unexpected stop or change in direction often causes the heads of the car occupants to experience sudden and unnatural movements. This can cause muscle strains in the neck and back (as discussed above). But the head itself can also be injured. Impact with a side window or steering wheel can cause scrapes and bruising to the head, or even deeper lacerations. More severe collision impacts can cause a closed head injury. In that situation, the fluid and tissue inside the skull are damaged because of the sudden movement or impact of the head. Less severe closed head injuries often result in concussions, while the most severe impacts can cause brain damage.
Sample Demand Letter - Car Accident - More Serious Injury
As you are aware, I was injured in an automobile accident with your insured Anthony Stacatto on January 13, 20xx at the intersection of 12th Street and Loop Lane, Chicago. I was traveling east on Loop Lane, and as I entered the intersection with 12th Street, your insured came through a stop sign on 12th Street and smashed into my car just behind the driver’s seat, barely missing a direct hit on me. [NOTE: Even though a direct hit on Mary did not occur, the near miss increases the sense of emotional trauma Mary suffered.] The power of the collision spun my car all the way around and left it facing west almost all the way to the curb. [NOTE: The power of the impact shows how fast the other driver was going, which supports both how negligent he was and how seriously Mary is injured.] I have enclosed the police report, which states that I had the right of way, and a diagram that shows where your insured struck my car and the final resting place of the car. The enclosed photograph showing the severe damage to my car indicates how strong the collision was.
Sample Personal Injury Demand Letter - Bicycle-Car Accident
I was already in the right lane when your insured moved into it, cutting me off. Therefore he clearly violated my right of way and was fully at fault for the accident. Although I was unable to stop in time to avoid a collision, I was traveling within the speed limit and in a proper position to the right side of the right lane. I am an experienced cyclist who has been using a bicycle for regular local transportation for more than ten years. I ride an average of 100 miles a week, most of that in city traffic. I have ridden on that particular stretch of Amstel Road several times a week for the past seven years, and so I am very familiar with traffic patterns there. I have never before had any problem riding on Amstel Road, and in fact have never had an accident or been issued a traffic citation in all my years of cycling. For all these reasons, it is clear that I was not at all comparatively negligent regarding the accident. [NOTE: Details of the accident plus Walter’s riding experience combine to show why Walter was not at fault.]
We understand that a car accident can be a stressful event in someone’s life and a very difficult one to navigate on your own. Notwithstanding your circumstances, we are here to make the process easier for you. Remember, you need to determine the benefits you are entitled to receive. This can be quite difficult without a qualified Oxnard car accident attorney by your side. Whether you want to recover lost wages, or any damages caused to your vehicle, with experienced legal representation you will be able to bring a claim for all injuries sustained in the accident.
3 Injuries that May Hide After a Car Accident
Getting into an accident doesn’t only take a physical toll on its victims. The impact of a crash also affects an individual, mentally and emotionally. In fact, it’s not unusual for a person to experience mental health issues long after they’ve recovered from physical injuries. One such problem is post-traumatic stress disorder (PTSD) along with other problems such as generalized anxiety and depression. Feeling a little shaken up after an accident is something all car crash victims experience. For some, however, it goes far beyond those initial feelings. They may feel anxious every time they get behind the wheel, or even in the passenger seat. General anxiety may appear as constant rumination, feeling easily overwhelmed, being easily startled, restlessness, poor concentration/memory and nausea. PTSD, which is usually more intense, may appear in the form of flashbacks, nightmares and the inability to take one’s mind off an event (in this case, the car crash).
It is also imperative you see a doctor after your accident if you plan on filing an injury claim. The insurance company will require a documented account of your doctor visits to prove that you were indeed injured from the accident. Also, keep in mind that if you wait too long to see a doctor or chiropractor about your injuries that the insurance will most likely deny your claim stating that because you waited so long that you could not have been all that injured.