Insurance Inquiry
I was recently involved in a car accident where I was T-boned at an intersection, and I am certain it wasn’t my fault—the other driver received a citation for running a stop sign, while there wasn’t a stop sign in my direction. Unfortunately, my car was totaled from the impact, which struck directly on the driver’s side door and a bit behind. My 8-year-old child was seated right behind me, and the airbags deployed.
My main concern now is filing bodily injury claims for both myself and my child. Although we didn’t suffer any major physical injuries, I experienced swelling in my left arm, along with neck and lower hip pain on the side where we were hit. My child also felt the impact, reporting pain in her left arm, hip, and rib area.
We went to the emergency room about an hour after the accident; I didn’t take an ambulance because I was too shaken and confused. The doctor performed an X-ray on me, but chose not to for my child, saying they limit X-rays and MRIs in kids to reduce cancer risk. He determined that her bones didn’t seem broken but confirmed she needed pain relief and would likely experience significant pain for at least two more days.
It’s now been over a week, and the pain continues. She missed school last week and saw her private doctor two days later, who advised an X-ray if her pain persists. She’s also been talking about death frequently and seems psychologically affected by the experience, leading the doctor to recommend a mental therapist. I’m hesitant about having such a young child speak with a therapist, though.
I haven’t yet filed a bodily injury claim with the other driver’s insurance, as I’m still trying to settle the claim for my totaled car. I also haven’t sought legal representation yet, as I feel it’s not necessary at this point since neither of us required hospitalization or sustained permanent disabilities. I’m just grateful we’re both here; it could have turned out much worse.
However, I’m worried about settling too soon, as some have suggested, given that my child is young and potential long-term complications could arise. I want to make sure she receives the best possible treatment for any pain or suffering, as well as any future complications from this accident (which I hope won’t happen).
I haven’t even addressed my own pain yet, as my child’s well-being is my priority right now.
So, my question is: has anyone else experienced a situation like this? I would appreciate any advice. Thank you!
I’m really sorry to hear about your accident and the impact it has had on both you and your child. It’s understandable to be concerned about the physical and emotional effects following such a traumatic experience.
Here are some steps you might consider taking:
Medical Follow-Up: Since both you and your child continue to experience pain, it’s essential to keep up with medical evaluations. Follow your private doctor’s recommendation for an X-ray for your child if the pain persists. Document all medical visits, treatments, and any recommendations from doctors.
Mental Health Support: It’s common for children to experience anxiety after a traumatic event. While it can be challenging to decide on therapy for a child, mental health support can be beneficial in helping her process the accident and cope with her fears. You might consider looking for a therapist who specializes in working with children and trauma, as they’ll have strategies tailored to young people.
Documentation: Keep detailed records of all medical expenses, treatments, and any related expenses, like missed school days. This documentation will be important for any injury claims you pursue later.
Consult with an Attorney: While you feel that you don’t need a lawyer yet, consulting with one who specializes in personal injury might give you peace of mind and clarity. They can help you understand your rights, the claims process, and ensure you receive fair compensation for both your and your child’s pain and suffering. They can also advise you on how to protect against potential future complications.
Communicating with the Insurance Company: Before settling with the other driver’s insurance, consider your future needs. You might want to wait until you have a clearer idea of any long-term effects for you and your child. An attorney can help negotiate in a way that considers potential ongoing treatments or therapies.
Support System: Lean on friends and family during this time. Sharing your feelings and concerns can lighten the emotional burden you’re carrying.
Your primary concern for your child’s well-being is understandable, and it’s important to ensure that both of you receive appropriate care for your injuries—physically and mentally. Wishing you both a smooth recovery.