There are a variety of claims you can make after a car accident. A claim will be based on what happens in a specific accident. For example, a claim will have multiple categories of claims if your car was damaged, or if you, your passengers, or anyone else is injured or hurt, and if you lose wages because you are unable to work as you recover from an accident.
Types of Common Injuries in Car Accidents
A soft tissue injury is the damage of muscles, ligaments, and tendons throughout the body. In a car accident, soft tissue injuries are extremely common.
Head Injury - TBI, Concussion
Tramatic Brain Injury or a concussion is common after a car accident. Symptoms might include, headache, blurry vision, and extreme fatigue. If you hit your head it is important that you see a medical doctor to make sure you don’t have a brain bleed or other severe trauma.
Neck & Back Injuries
Neck and Back pain is the most common type of pain that happens when you get injured in a moving car. Often times these types of pain indicate a soft tissue injury or other concerns.
Any bone in your body care break or be fractured from a car accident. Because there is a lot of force in an accident even a “fender bender” and depending on all of the circumstances, can result in broken bones.
Typical strains and sprains come from overuse, but in an accident, it can be caused by an overextension or twist of a tendon or ligament.
Shoulder injuries typically are related to the tendons and ligaments in your shoulder or the three joints in your shoulder.
Knee injuries in an accident are typically the result of a forceful twist or hyperflexion of your knee joint. Pain, swelling, and not being able to support your weight are common symptoms and we encourage you to get it checked out if you have pain after an accident.
Why & When to File a Claim
Filing a claim is the only way to have your medical expenses after a car accident injury covered. Sometimes paying for medical care stops individuals, or families from getting the care they need to feel better because they are worried about payment.
In the state of Utah, if you have car insurance, by law you have PIP, which covers medical expenses up to $3000 per person. This means you have no out of pocket costs to get necessary medical treatment.
It’s Your Right to Use the Coverage You Pay For
You pay for car insurance already, so if you have any of these injuries, do not hesitate to file a claim. If you are injured and you need medical treatment, seeking medical treatment will not increase your rates. There are other factors that can increase your rates but this is not one of them.
Broken Limbs or Joints (Arm, Shoulder, Neck, Back, Leg, etc)
Hit by a Semi-Truck
Herniated Discs in Your Neck, Back
Severe Pain in Arm or Shoulder
Whiplash and Headaches
Neck or Back Pain
Do I Actually Need an Attorney?
Working with the right attorney can help you make sure you have the right information, paperwork, and vital legal forms to get approval for your claim coverage. An attorney can also help you throughout the settlement process, helping you know what steps to take along the way.
It is important to know that an Attorney cannot direct medical treatment, but they are supposed to be with you along the way and give you the knowledge, and information you need through the legal process of your claim and settlement.
Most times in Utah, if you exceed your Personal Injury Protection coverage, of $3000, you have a right to file a settlement claim. We encourage you to work with an Insurance Myth Approved provider helping you to know that who you choose to work with has your interest, your recovery, and your wellbeing at the forefront of their actions.
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What Affects My Auto Insurance Coverage Rates?
The cost of insurance has gotten more and more complex over the years. Insurance rates are based on many factors including your age, gender, car make, model, and year, your accident history, credit history, driving record, your relationship to others on your policy, and where you live.
If I seek treatment will it influence the cost of future coverage?
It is your right to receive medical treatment for injuries after a car accident. This is one of the reasons why you pay for insurance. Having the right coverage amounts, and coverage categories are vital for your ability to have what you need throughout your accident recovery, car repairs or replacement. Sometimes insurance companies try to scare you from seeking treatment, these threats are not real, if you are experiencing pain, discomfort, or stiffness after an accident you deserve access to the care you need to feel better and get back to your life.
If I caused an accident will that influence future costs?
If you caused an accident and there is damage to your car or others property this will increase your rates. If you caused an accident and you get treatment for your injuries this will not increase your rates, because seeking out treatment is your right.
Will repairing my car increase my rates?
When your car is damaged in an accident, there may be repairs needed for your car to work and function again. These repairs will not increase your rates and are covered under your insurance policy. IF you hit another vehicle and have to pay for repairs to another vehicle it can influence your rates.
Looking for More Support Through the Process?
We know that sorting out what to do after an accident can be stressful. That is why we are here. To help you make the best choices because you have the knowledge and support you need to make the best choice for you and your family.
Let us know if you are looking for a specific resource and we will help you find the information you need. If we can't help you we will connect you with an Insurance Myth Approved provider for FREE.
American Fork, UT