Car Insurance Inquiry
Hi everyone,
I hope you’re doing well. To keep it brief, I was recently involved in a motor vehicle collision that wasn’t my fault. Since the accident, I’ve been experiencing significant back pain, which led to several doctor and specialist visits, causing me to miss work. After some X-rays, I learned that I have multiple chronic back issues, including degenerative discs. However, I was completely unaware of these conditions and had no prior pain before the accident.
My question is this: Should I inform their insurance company about the chronic problems I’ve just discovered? I’m concerned they might deny coverage for my missed work and other related expenses, considering I hadn’t seen a doctor for back pain prior to the accident.
Thank you for any advice you can share!
I’m sorry to hear about your situation; that sounds really tough. It’s understandable to be concerned about how to approach the insurance situation. Generally, when dealing with insurance companies, it’s important to be honest about your medical history. However, you should also consider the context of your injuries.
Since you were not aware of your chronic issues before the accident and hadn’t sought treatment for them, it’s reasonable to argue that the accident exacerbated your condition or brought it to light. You might want to keep the focus on the fact that you were pain-free before the accident and that the MVC is what led to your current medical issues.
It might be beneficial to consult with a personal injury attorney who can provide advice tailored to your specific situation. They can help you navigate dealing with the insurance company and ensure your rights are protected. Keep thorough documentation of all your medical visits, treatments, and any missed work, as this will support your case.
Take care, and I hope you find relief soon!