When you think of car accidents, the first thing that comes to mind is usually the damage done to the vehicle. But what about the people involved in the accident? Injuries can range from minor cuts and bruises to life-threatening injuries. And if you’re not careful, car accidents can also take a toll on your emotional well-being.
According to the National Highway Traffic Safety Administration, there are over six million car accidents in the United States every year. Of those six million accidents, there are an estimated three million injuries and nearly two million people are killed. If you or a loved one has been involved in a car accident, it’s important to understand the basics of a car accident insurance claim settlement.
One of the most important things to do after a car accident is to seek medical attention, even if you don’t think you’ve been injured. Injuries from car accidents can take days or weeks to manifest, so it’s important to get checked out by a doctor as soon as possible.
Once you’ve taken care of your health, you’ll need to start thinking about the financial impact of the accident. Car accidents can be expensive, and if you’re not careful, you could find yourself in a difficult financial situation.
If you’ve been involved in a car accident, here are seven of the most common claims that people make:
1. Property damage: This is the most common type of claim made after a car accident. If your vehicle was damaged in the accident, you can file a claim with the other driver’s insurance company to have your repairs covered.
2. Medical expenses: If you were harmed in the collision, you may submit a claim to the other driver’s insurance company for reimbursement of your medical expenditures.. This includes any expenses related to your injury, such as hospital bills, doctor’s appointments, and medication.
3. Lost wages: If you were unable to work because of your injuries, you may be able to file a claim for lost wages. This can include both past and future earnings.
4. Pain and suffering: This type of damage is more difficult to quantify than other types of damages, but it can be included in your claim. It takes into account the physical pain and suffering caused by the accident.
5. Emotional distress: This type of damage is often associated with post-traumatic stress disorder (PTSD). If you’ve been involved in a car accident, you may be able to file a claim for the emotional anguish you’ve experienced.
6. Punitive damages: These types of damages are meant to punish the other driver for their negligence. In some states, punitive damages are not available.
7. Wrongful death: If a loved one was killed in a car accident, you may be able to file a wrongful death claim. This type of claim can help cover funeral expenses and other damages.
If you think you might have a valid car accident claim, it’s important to speak with an experienced car accident lawyer who can help you understand your rights and options. An attorney can help you navigate the claims process and ensure that you receive the compensation you deserve.