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Minor Accidents can Lead to Major Problems

From sprains and strains to long-term pains, even minor car accidents can lead to overwhelming medical bills and stress.

“Hey Doc, Me Again”

The majority of car or big truck accidents can lead those involved straight to the emergency room or their primary care doctor. From soft injuries, like strains and bruising, to painful neck and back trauma, something as minor as a “fender-bender'' can have you making back-and-forth trips to your provider.

It’s important to keep in mind that some injuries can become apparent days or even weeks after a wreck. Head trauma like a concussion and soft-tissue trauma like whiplash can both go unnoticed early on. It’s recommended that anyone involved in an auto accident go directly to the emergency room and/or their primary care doctor to be properly assessed for less visible damage and to prevent long-term injuries.

Who Will Pay My Medical Bills?

There’s a common misconception that the person who’s at fault for the car accident is responsible for the entirety of all medical expenses. This is not always the case, and there are many factors that play into the decision of “who will pay,” including the insurance coverage, the type of accident, and the state you live in.

Generally, you will be the one paying the medical expenses initially, but the insurance company of the person at fault should reimburse you.

I Live In A “No-Fault” State, What Does That Mean?

Living in a “no-fault” state means that, regardless of who’s at fault for the accident, your insurance company will be responsible for some or even all of your medical expenses.

Those who live in a “no-fault” state are required to purchase “no-fault” insurance or Personal Injury Protection coverage (PIP).

For more information on “no-fault” state coverage and a list of “no-fault” states click here.

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Hit and Runs are Never any Fun

There are always a lot of personal feelings involved in hit and runs. From a legal standpoint, an attorney will have to first determine if they can identify who the offender was, if anyone recorded a license plate or can identify them, and if there is a witness to the accident.

If the individual who fled the scene can’t be identified, a car or big truck accident lawyer will work to prove an uninsured or under-insured motorist case. This will show the individual hit was a victim of a hit and run and should be entitled an uninsured motorist claim.

A driver could also face liability for injuries to their passenger, if the driver was in any way responsible for the accident. If the accident was a single vehicle collision, the driver of the vehicle would be liable for passenger injuries and other damages.

The Takeaway

It’s often difficult to identify liability and fault after two vehicles collide. To understand whether your costs are covered, talk with insurance and be sure to get checked out by a medical professional after any accident, no matter how minor.

In cases such as these, it’s best to hire a local injury or accident attorney to assess all your options. In the long-run, you’ll save yourself time and money by letting the professionals handle your injury case. Do you or a loved one need to make an accident claim? Don’t go through this alone, give our expert team a call or chat online 24/7.

For more articles on auto insurance, click here.

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