Rear-Ended by an Uninsured Driver
Today, I was rear-ended while waiting to make a right turn off a freeway exit ramp. I had come to a complete stop when I felt a strong impact, pushing my car about two feet forward. The other driver rushed over to my driver’s side door, apologized, and then admitted he was young and didn’t have insurance.
We exchanged information, and although I didn’t call the police at the scene, I later reached out to the local police department to file a report and received a CAD number. After reviewing my insurance policy, I discovered I have uninsured motorist coverage for medical expenses but not for property damage. I’m not overly worried about the car’s damage; it seems minimal (just a paint scuff on the bumper), but I’m concerned there might be some frame damage since the seal around the hatchback opening is lifted and won’t quite go back into place.
Around 45 minutes post-accident, I started to feel tension and aching in my mid to lower back. Initially, I didn’t plan to see a doctor, but I’m now considering it. I’m uncertain about potential doctor bills or coverage and if I might face substantial out-of-pocket costs. Does anyone have advice? It’s been about 11 hours since the incident, and I know feeling tense after an accident is common. Should I wait a few days to see if it improves before scheduling a visit?
I’m really sorry to hear about your accident. It’s understandable to feel overwhelmed in this situation, especially when dealing with injuries and insurance issues. Here are a few steps you could consider taking:
Medical Attention: It’s definitely a good idea to see a doctor as soon as possible, even if your pain feels manageable now. Sometimes, injuries can worsen over time, and having a medical record of your condition can be important for any future claims.
Document Everything: Keep a detailed record of the accident, your injuries, any medical visits, and related expenses. Take pictures of your vehicle and any visible injuries, and note the specifics of how the accident occurred.
Consult Your Insurance: Since you have uninsured motorist coverage for medical expenses, contact your insurance company to clarify what is covered. They can explain how to file a claim and what documentation you’ll need.
Investigation and Follow-up: If your injuries persist or worsen, don’t hesitate to seek further medical evaluation. You deserve to get the care you need without the worry of how to pay for it.
Legal Advice: If you’re feeling uncertain about the financial implications or if your injuries lead to significant issues, consider consulting with a personal injury attorney. They can guide you on how to navigate the situation with the other driver and your insurance.
Follow-Up Care: Be mindful of any changes in your symptoms and follow all the doctor’s advice about follow-up visits or additional treatments.
Your health is the top priority, so don’t wait too long to get checked out. Wishing you a smooth recovery!