Being involved in an auto accident is something which we all want to avoid but are more likely than not going to be involved in, to some extent, at some point during our lifetime. Not only is an auto accident a challenging time in terms of financial costs and stress, it can be made even worse by injury. Sustaining personal injury in an auto accident can be confusing – deciding whether you need to seek medical advice and evaluating your injuries are not tasks you're likely to be familiar with, and therefore useful topics to read up on now in case you ever find yourself in such a situation. Here I explain not only how to evaluate your injuries following an auto accident but also the first steps to follow after a personal injury accident and information on receiving medical advice and dealing with your auto insurance company when it comes to a personal injury claim.
Evaluating Personal Injury
Evaluating any personal injuries or discomfort following an auto accident is extremely important in helping make sure you are fairly compensated. Depending on the severity of the accident your personal injuries could fall anywhere on the spectrum of major to minor, but typical personal injuries will include pain and suffering, medical expenses and either permanent or temporary injuries caused by the accident. Even if you experience minor symptoms such as a temporary dizziness or a headache, the sooner you contact a medical professional to get checked the better. Leaving it a few days after the accident to give yourself a chance to recover makes it harder to prove that any injuries sustained were as a result of the accident.
When Seeking Medical Advice
Once you've determined that you have sustained a personal injury and that you should seek medical advice there are a number of things you need to take into consideration. First, make sure you inform the doctor that you've been involved in an auto accident and then ask them to conduct a complete medical examination. If you're experiencing any head pain then ask for an MRI scan to be conducted, and also investigate whether any pre-existing injuries have been worsened by the accident. Make sure you keep a copy of all medical bills and examinations from your visit, and record any days missed off work due to your injuries.
Further Steps To Follow
If you've sustained personal injuries and decided to file a bodily injury claim then other pieces of evidence are required to submit to your auto insurance company, such as a copy of the police report which you should file straight after the accident. Another good idea is to take photographs of any injuries sustained as a result of the accident – cuts and bruises tend to heal quickly. As well as medical examination results and bills it's also recommended that you take detailed notes of your treatment as well as names and addresses of your physicians. Receipts for any medication or assistive devices are also important, and they are part of the evidence you should submit to your auto insurance company.
Making A Personal Injury Claim
When making a personal injury claim the parties involved are you, your doctor, your auto insurance company's claims adjuster and potentially a personal injury attorney, if you choose to be represented by one. The most important parties in a personal injury claim are yourself and your doctor, which is why it's so important to follow the steps mentioned above to build up a solid body of evidence to present to your auto insurance provider.
One thing you should also take into consideration is the fact that depending on your auto insurance company you are likely to only be reimbursed for the average market rate for any medical treatment. For example if you visit a physiotherapist and your weekly session comes to $160 but the average price of a physiotherapy session in your area is $140 then your auto insurance company is likely to only pay $140. Letting your auto insurance company know in advance that you are going to undertake a series of treatments is also a good move in this scenario.
Having The Right Insurance
Making sure you have the best auto insurance policy in the first place can help minimize any stress when filing a personal injury claim. If you have your auto insurance with an auto insurance provider who you can trust and have confidence in you are less likely to need an attorney, and also hopefully less likely to find yourself faced with a claims dispute.
Finding the best auto insurance company to meet your needs can be time consuming since it can involve hours of scanning the web for the best rates. That's why here at GET.com we've done the work for you – simply choose your state in the box below to start comparing the best auto insurance deals in your area!