Each year in the United States, there are approximately six million car accidents. With around 16,000 car accidents per day, you may find yourself dealing with a car or auto accident. Even though car insurance is required, it is not always fair in auto and car accident settlements, especially when injuries are involved.
Reporting your accident to your insurance and filing a claim are both necessary, but their settlement offer may not be in your best interest. It is important that you are able to learn and understand your rights. Consulting a professional attorney can make a tremendous impact on the amount of money you receive for your settlement.
Auto and car accident attorneys specialize in assessing the situation, factoring in all the details of your case, and using the facts to act in your best interest and help you get what you are entitled to.
Auto Accident Injuries
In many minor accidents, you or your loved ones may be lucky enough to walk away from the accident scratch-free. Unfortunately, many drivers and passengers sustain physical injuries in head on collisions, rear end collisions, motorcycle accidents, and other types of auto accidents.
Common injuries from an auto accident include whiplash, concussions, neck injuries, fractures, internal bleeding, traumatic brain injury, burns, soft tissue injury, spinal cord injury, and many more types of injuries. You may also sustain an uncommon issue that is not regularly dealt with in insurance claims.
Your age may also impact the pain and suffering that you endure. While a young individual may be able to have a quick recovery, a senior citizen with the same type of injury may have a longer recovery, limited movements where the injury is, and overall limited mobility due to the physical stress that the injury places on the body.
These injuries can impact your life and finances in many different ways. Many injuries require hospitalization and will require additional check ups or physical therapy. If you are injured in an auto or car accident, you will likely have medical bills for the initial treatment, being transported in an ambulance, multiple follow up visits, and more.
While medical bills are a somewhat obvious expense that your insurance company should take into consideration, your insurance company may fail to mention other factors. Auto insurance is put in place to assist you when you have an accident or need to make a claim, but it is not always fair, accurate, or in your best interest.
Dealing with Insurance
In the state of Florida, it is illegal to drive without proof of insurance. A Florida driver must maintain proof of insurance and is not legally allowed to drive without it.
While insurance is a necessary part of driving and may be helpful in many cases, it is not always in your favor if you or a loved one sustains an injury in an accident. In many injury accidents, you may not want to accept the first offer that your insurance gives you.
It is important to keep in mind that insurance companies are businesses that also have their own interests and profits in mind. There are laws regulating certain things that they can or cannot do, but the laws do not regulate every possible detail of your case.
Insurance companies often have standard proceedings and procedures. While these standardized procedures may cover simple or minor accidents, they may not be the best application to your unique case. You may receive an offer from your insurance company, but this does not guarantee that it is it a fair offer in your favor.
Your insurance may seem generous with their first offer if you are not familiar with the intricacies of injury law or pain and suffering. Since the average person is not an auto injury expert, many people do not initially know that there is a distinct difference between physical pain and suffering versus pain and suffering.
Pain and Suffering
In the state of Florida, physical pain and suffering refers to the physical pain that a car accident victim endures during the accident and through the recovery period. However, physical pain and suffering is not the only factor that is taken into consideration in a settlement that is done by a professional.
Pain and suffering is the distress that a car accident victim experiences due to their physical injuries. This does not include the actual physical pain, instead, it covers the distress and suffering that the injury and pain has caused in your day to day life.
Pain and suffering includes emotional and economic damages that are a result from your injury. Your insurance company may compensate for physical pain and suffering through medical bills, but they may not cover your pain and suffering that is not physical.
Consulting with a Professional to Advocate for You
If you have pain and suffering, you will want to consult with a professional. An accident and personal injury lawyer will be able to take all factors into consideration when calculating your pain and suffering damages.
If your injury caused you emotional distress, this is a factor that could impact your settlement. In addition, some injuries will result in the loss of a job or unpaid time off. These are factors that your attorney will consider. An experienced lawyer will be able to look at your situation as a whole and assess your pain and suffering.
Car Accident Settlement Assistance
Getting into a car accident may not be intentional and it is definitely not a great situation to be in. It is important to know your worth and your rights if you have been injured in a car accident. While car insurance is important, insurance companies are not always your best advocate.
It is important that you are represented by a professional attorney who can assess your injuries, losses, and all factors of the accident to act in your best interest. When working with an attorney, they will have your interest in mind and have experience in dealing with insurance companies.