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It will mean personal out-of-pocket expenses that include the cost of repairing your motor vehicle and medical bills. More often than not there will be a period of time that you're unable to work, resulting in lost wages, a sudden shock to your lifestyle and a tremendous inconvenience. There will likely be either a short or prolonged period of pain that you will suffer because of your injury. All of these are the direct result of a motor vehicle accident that wasn't your fault. The only way you can be compensated for this is by receiving money – a financial reward! This payment should include property damage, medical bills, the total of your other out-of-pocket expenses, plus an additional amount of money for your "pain and suffering" (your “Compensatory Damages”) to be paid to you because of all you were subjected to.
A small percentage of auto accidents are responsible for serious injuries. If your medical diagnosis includes bone fractures, a herniated disk, serious aggravation of a pre-existing condition, prenatal difficulties, almost anything diagnosed to be more complicated than a "Soft Tissue" type of injury, then it's not wise for you to attempt to handle your claim yourself. You should engage an attorney to represent you.
YOU MUST BE EXAMINED BY A DOCTOR OR A CHIROPRACTOR AS SOON AS POSSIBLE.
It is an indispensable necessity that you see a doctor or chiropractor to get medical attention as quickly as possible after an accident. This decision can often make the difference between ending up with a fistful of hundred dollar bills for your loss, or a paltry "nuisance value" settlement (a small payment made by the insurance company) to close the case.
If you don't see a doctor or chiropractor, but still attempt to justify an injury that produced “pain and discomfort”, and you also contend to have lost time from work, the adjuster will not buy it. At the end of the day you won't be paid much for your loss. But if you do see a doctor, and after they have discharged you with a respectable Medical Report, the settlement value of your case improves tremendously.
THE HIGHER THE MEDICAL BILLS THE HIGHER THE SETTLEMENT VALUE OF YOUR CLAIM
The ultimate value of a personal injury claim has a direct relationship to the amount of your medical bills. Why? Because a claim with doctors bills of $500.00 is worth three to five times more than a claim with bills of $100.00. The adjuster will reason if you were hurt badly enough to generate medical expenses of $500.00, or more, then your injuries must have been fairly substantial. But, if you see a doctor once and your bills are less than $100.00, the adjuster will assume you weren't hurt too seriously. It's a fundamental fact of insurance claim settlement negotiations that the more doctor visits you make, the higher the medical bills will be, and therefore the greater value your claim will have. That's the reason you should provide yourself with all necessary medical treatment, and as often as recommended.
General Info: Rehabilitation Benefits
General Info: Compensatory Damages/Pain and Suffering
FAQ: How long does the medical treatment last?
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