Your car was just hit and all you want to do is get home. You may feel just a little achy or see only the slightest sign of bruising, but it can be a big mistake not to get it checked out. Getting medical attention after a car accident is important foremost for your health. In addition it will help avoid problems with your insurance company and is essential if you decide to pursue a legal case.
Getting Medical Care
Car accidents can cause serious injuries, and many times you may not realize immediately how severe they are. In some cases you may feel fine for a day or two. At the very least, you should make an appointment to see your doctor as soon as possible.
Common injuries include:
- Concussions and traumatic brain injuries
- Spinal injuries
- Broken bones
- Internal injuries
- Cuts, bruises and lacerations
What does seeing a doctor immediately have to do with my insurance?
New York is a no-fault insurance state, which means most car accident claims are paid through no-fault regardless of who is at fault. Unless you have sustained a “serious injury”—which is specifically defined by New York State’s insurance laws—no fault will pay up to $50,000 in medical expenses, lost earnings and other reasonable expenses. Pain and suffering is not covered in no-fault cases.
See our article, What Does New York’s No-Fault Insurance Law Mean for Me and My Car Accident Case?, for more specific information about New York’s no-fault insurance
No-fault will cover any medical bill associated with the accident. When you see your doctor, let him or her know that these are injuries from a motor vehicle accident so that information can be put in the report to send to your insurance. Unfortunately, if there is no immediate doctor visit, insurance companies often make the assumption that you were not injured that badly or even at all.
Taking legal action for more serious injuries
If you are seriously injured in an accident, you have the right to sue to collect above the no-fault limit of $50,000, as well as pain and suffering.
New York State has very specific requirements in order for you to be able to sue in a car accident. You must have a serious injury, which includes fractures, loss of fetus, permanent injury to a body organ, dismemberment, significant disfigurement and death.
In order to prove you were seriously injured in a car accident, it is essential that you get medical attention immediately. You must prove that your injuries meet the threshold for serious injury, and it is hard to do that if you are able to walk away from the accident. Chances are, you may need to see a number of doctors and specialists. Keep records of all your visits, make sure the doctors are aware that the injuries are related to a recent accident and keep track of expenses. This will help ensure that your medical needs are cared for and your legal rights are protected.
Give our Long Island car accident lawyers a call at 516-222-4000. We can help answer all your questions and let you know what your legal rights are. Want to come in for a free consultation? Call to schedule an appointment today!