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, in many cases you may have 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 on when you begin to suffer severe aches, 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 make 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 a herniated disk or 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, medical treatment, 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 the accident.
The Costs of a Car Accident
If you have medical insurance, 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 also known as subrogation, and is common in car accident cases.
The problems arise when one of the insurance providers denies your claim. There are any number of reasons why an insurance company may deny your claim. They may try and indicate that you were at fault for the accident, or your specific accident or injury was not covered by their policy.
Even if the insurance company does pay your claim, they may suddenly stop paying for your medical treatment by claiming that you are no longer injured. Even if your doctor confirms you injuries, the insurance company may deny your claim by making you go to their 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 may be 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 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 in some cases, they will try and get you to pay for the other driver's damages. The insurance company representative may seem nice on the phone; however, they may just be trying to get you to say something they can later use against you.
The insurance company may also be quick to offer you a settlement. The settlement 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 them. If the insurance company calls you up and wants you to take an offer, or wants to talk about the accident, you can simply tell them to contact your attorney. Let your lawyer deal with the insurance company, so you can focus on getting things back to normal.