A motorist who sustains an injury due to another driver’s negligence has a right to expect financial compensation from one or more insurance companies.
A common belief is that compensation will only pay for medical bills, but coverage extends to other needs associated with a motor vehicle injury.
Potential for significant injury
Even a minor vehicle accident such as a rear-end collision can cause serious injuries. For example, brain damage and spinal cord injuries are common results. However, certain symptoms may not appear at the time of a crash. Therefore, victims of motor vehicle accidents should seek prompt medical attention since underlying injuries might exist.
Importance of a medical report
The doctor will write a report describing any injuries and treatment recommendations. The report will tie the injuries directly to the car crash, so, from an insurance company’s point of view, there can be no question of cause. Serious injuries may require hospitalization followed by physical therapy or rehabilitation programs. Treatment could continue for months if not for a lifetime.
The victim of a motor vehicle crash may require compensation for both current and future medical expenses. An advocate working on his or her behalf can coordinate with medical personnel to estimate future needs. In addition, coverage may be available for ambulance fees, medical equipment such as a wheelchair or walker, emotional damage, nursing care, pain and suffering and vehicle damage and repair. If the injury also prevents the patient from working, coverage should also extend to lost wages. In the case of a truck-car collision, the victim may expect compensation from multiple parties who share liability for the crash.