Insurance Inquiry
Last week, I experienced a T-bone collision at an intersection, and thankfully, it was entirely the other driver’s fault, as they received a citation for running a stop sign (my lane had no stop signs). My car was totaled due to the impact, which struck the driver side door and slightly behind it. My 8-year-old child was sitting directly behind me at the time, and the airbags deployed.
My primary concern is the bodily injury claims for both myself and my child. Fortunately, there were no major physical injuries, but I did sustain some issues: my left arm was swollen, and I have pain in my neck and lower hip on the side that faced the impact.
My child also experienced the impact and is complaining of pain in her left arm, hip, and rib area.
We went to the ER about an hour after the accident (not via ambulance since I was too shaken and disoriented). The doctor did an X-ray on me but opted not to X-ray my child due to concerns about limiting radiation exposure. He assessed that her bones didn’t appear broken, but confirmed that she would need pain relief and could expect significant pain for at least two more days following the crash.
Unfortunately, the pain has persisted for over a week. She missed school last week and saw her private doctor two days later, who recommended an X-ray if her pain continued. She has become fearful of riding in the car with me and frequently talks about death, showing signs of psychological distress. The doctor also suggested a therapist, but I’m hesitant about having someone so young speak with a professional.
I have not yet filed a bodily injury claim with the other driver’s insurance, as I’m still working on settling my totaled car claim. I haven’t consulted a lawyer yet, feeling it might not be necessary since neither of us was hospitalized or left with a permanent disability. However, I am incredibly grateful we’re both alive, as the situation could have been much worse.
That said, I’m worried about settling too quickly, especially since my child is young and I want to ensure we account for any potential long-term complications. I want to make sure she receives the best possible treatment for her pain and any suffering she may experience because of this accident (which I hope won’t happen).
I haven’t even begun to address my own pain, as my child’s well-being is my priority.
So, I’m reaching out to see if anyone has faced a similar situation. I would appreciate any advice you may have.
Thank you!
I’m really sorry to hear about your accident and the challenges you and your child are facing. It’s completely understandable to be concerned about both the physical and emotional impacts of this experience. Here are some steps and considerations that might help you navigate this situation:
Document Everything: Keep detailed records of all medical visits, treatments, medications, and any symptoms you or your child continue to experience. This documentation will be crucial if you decide to pursue claims later.
Follow Up on Medical Care: Since your child’s pain has persisted, consider scheduling a follow-up appointment with her doctor as recommended. If they suggest an X-ray or other imaging, it’s worth considering to rule out any injuries.
Seek Legal Advice: Even if you feel that a lawyer isn’t necessary now, it might be beneficial to consult with one who specializes in personal injury cases. They can provide guidance specific to your situation, help you understand the full scope of potential future medical issues, and discuss how to claim compensation for pain and suffering.
Insurance Claims: When you’re ready to file a bodily injury claim, ensure that you include all medical expenses, any prescriptions, and any impact on your child’s daily life (like missing school). Insurance companies often look at the entire picture of pain and suffering, so encompassing all impacts is key.
Emotional and Psychological Support: It’s understandable to be hesitant about therapy for your child, but speaking to a professional might help her process her feelings and fears. Many therapists specialize in working with children and can provide a safe space for her to express her feelings.
Monitor Future Symptoms: Stay alert to any ongoing or new symptoms you or your child may experience. It’s not uncommon for injuries to have delayed effects. Keep a record of these to discuss with healthcare providers if needed.
Don’t Rush to Settle: Take your time in settling with the insurance company, especially for your child’s claim. The long-term effects of injuries, both physical and psychological, should be fully considered before agreeing to a settlement.
Support for Yourself: Remember to take care of yourself during this difficult time. Your well-being is crucial, especially as you support your child through her recovery.
It’s commendable that you’re prioritizing your child’s well-being. Reach out for help when you need it, whether that’s from medical professionals, legal experts, or support groups. You’re not alone in this, and there are resources available to help you both through the recovery process.