Navigating a Fender Bender Bodily Injury Claim: What to Expect When Communication Lags
If you’ve ever been involved in a minor car accident, also known as a fender bender, you might find yourself wrestling with the complexities of a bodily injury claim. One reader recently shared their experience after a December 2024 incident that highlights common frustrations many encounter in the claims process.
In this case, the individual was involved in a low-impact collision where the airbags didn’t deploy, and no police report was filed due to the minimal damage. However, the other party decided to obtain legal representation and promptly inquired about the individual’s policy limits, which they disclosed to mitigate the risk of a lawsuit during the discovery phase. The policy limit in question was $100,000.
As the months went by without any communication from the opposing lawyer regarding the nature of the injuries or the treatment received, the individual began to feel anxious. In a surprising twist, they discovered that the other party was actively competing and winning in tennis matches, which raised questions about the legitimacy of the purported injuries. This led them to gather evidence, including screenshots of tournaments, which were subsequently shared with their claims adjuster.
Feeling stuck and uncertain, they posed an important question: “Is the delay in communication and the lack of injury details detrimental to my claim?” With limited assets to protect and the pressure of the unknown weighing heavily, the situation seemed precarious.
For those in similar situations, it’s essential to recognize that delays in legal communication can be relatively common, particularly in personal injury cases. The other party’s attorney may be taking their time to build a case or attempting to negotiate a settlement. Additionally, the absence of immediate medical documentation can sometimes mean the other party is either gathering further evidence or assessing the full scope of their injuries.
If you find yourself in a lengthy claims process, consider the following steps:
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Document Everything: Maintain detailed records of all communications, incidents, and any evidence you may gather. This can be crucial in case of negotiations or legal proceedings.
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Stay Engaged with Your Adjuster: Regular follow-ups with your claims adjuster can provide updates and clarify expectations. They are there to assist you and offer guidance through the process.
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Consult Legal Counsel: If the situation feels unusually drawn out or complicated, consider seeking legal advice. A professional can offer insights and may help streamline communications with the other party’s representation.
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Focus on Mediation: Sometimes, bringing
