While some people get around by bike, bus or streetcar, most of us use our cars every day to get to work, go shopping and take our kids to school. By spending so much time behind the wheel, it is no surprise that we risk accident, injury or even death every time we take to the road.

Car accidents can be complicated to deal with. Multiple parties, including other cars, drivers and passengers, may be involved. In addition, Arizona requires every vehicle to be covered by a minimum level of liability insurance. If there is an accident, then all of the individual insurance providers may also get involved.

Even though your insurance company is supposed to represent you, it may not have your best interests at heart and wants to pay out as little money as possible. The insurance company has a team of attorneys working for it, so it is only fair that you have an advocate working for you to make sure you are protected and get the compensation you deserve.

Car Accident Injuries

Car accident injuries can be deceptive. After an accident, you may feel shaken, but notice no obvious or serious injuries. While you may have luckily escaped injury, it's possible you suffered a serious injury without even knowing it. Some of the most common car accident injuries are invisible on the outside and only become clear later when you begin to suffer severe pains and may not even be able to get out of bed.

Injuries involving the neck, back, spine and head are some of the most serious injuries and some of the most difficult to treat. If you are involved in a car accident, you should seek medical attention, even if you think it may be unnecessary. Early diagnosis and treatment of spinal cord, brain and back injuries can mean the difference between a permanent disability and rehabilitation.

Even low-speed impact can result in forces strong enough to cause injury. This can result in neck injury such as whiplash. A sudden jerking motion may be enough to cause muscle and nerve damage. Higher-speed impacts can cause the head to smash into a window or the steering wheel. Head injuries include concussions and could lead to permanent brain injury. Spinal cord injuries include herniated disks and spinal compression, causing pain, weakness or paralysis.

However, even a car accident that results in a sprained ankle could mean time in the emergency room and keep you out of work for a few days. When the bills start coming in, you may be wondering who will pay the cost for the accident, especially since someone else caused it.

The Costs Of A Car Accident

If you have medical insurance and auto insurance coverage and the at-fault driver also has insurance, the responsibility of the cost of your injuries could become complicated. One insurance company may initially cover your expenses, then seek reimbursement from the at-fault party. This is known as subrogation and is common in car accident cases.

Problems arise when one of the insurance providers denies your claim, which can happen for any number of reasons. It may try and indicate that you were at fault for the accident, or your specific accident or injury was not covered by its policy.

Even if the insurance company does pay your claim, it may suddenly stop paying for your medical treatment by claiming that you are no longer injured. Even if your doctor confirms your injuries, the insurance company may deny your claim by making you go to its own doctor who somehow finds that you have recovered, despite your pain.

If your claim is denied, you may be looking at tens of thousands of dollars in medical expenses, car repair and lost wages. This is why it is important to speak to an attorney as soon as you can, to make sure your claim is paid and you get the compensation you deserve. Do not sign a settlement agreement or waive any claims until you've spoken to an experienced Arizona auto accident attorney who will fight for you.

Dealing With The Insurance Company

One of the most frustrating things anyone has to deal with after an accident is the insurance company. You may be required to give your own insurance company certain information after an accident, but you should seriously consider talking to an attorney before you talk to the other driver's insurance representatives. The other insurance company wants to pay you as little as possible, and it may even try and get you to pay for the other driver's damages. The insurance company representative may seem nice on the phone, but he or she is trying to get you to say something that can later be used against you.

The insurance company may also be quick to offer you a settlement. It may seem fair at the time, but remember the true costs of an auto injury accident. You may have suffered permanent injury that will affect your ability to earn a living. You may have extensive scarring or limited mobility. A quick settlement offer may be a way for you to sign away your rights before you truly understand what your damages are worth.

Once you talk to an attorney, you can refer all of the insurance company questions to him or her. If an insurance company representative calls and wants you to take an offer or wants to talk about the accident, you can simply tell him or her to contact your attorney.

We Can Help You

Let your lawyers deal with the insurance company, so you can focus on getting things back to normal. Call West, Longenbaugh and Zickerman P.L.L.C. in Tucson, Arizona, at 520-518-3781 or contact us online.