Your first priority is medical treatment after a car accident. You need to protect your health by seeking medical care as soon as possible after the crash. Even if you believe you aren’t severely injured, you should be checked by your doctor. Minor aches and pains could be an indication of a more serious injury. Furthermore, you can’t receive compensation from the other driver unless you can prove you were injured. An accurate medical record is crucial for obtaining compensation in a Louisville car accident claim.
Filing an Accident Claim
In the days and weeks following your car accident, you may begin to worry about how you are going to pay your medical bills and other costs, especially if you are out of work due to the car accident. This is normal — you are not an awful person for wanting the other driver to pay for your medical bills and other damages if he caused the accident. However, receiving money for a car crash claim takes time.
The insurance company for the other driver may want to give you a check in the first few weeks, but DON’T fall for this tactic. Consult with our Louisville car accident attorney BEFORE you provide a statement, sign a release, or accept a settlement agreement.
Why Must I Wait to Get My Money?
The insurance company for the other driver knows you need money and it will take advantage of this knowledge to pay you an amount that is lower than the value of your claim. If the insurance company can convince you to settle your claim very early in the process, it may avoid paying you the actual value of your claim.
For example, you agree to a settlement amount and sign your release but find out the next week you need surgery because those little pains are symptoms of a serious injury. Because you signed a release and accepted a settlement amount, you can’t go back to the insurance company for more money. You are responsible for all medical costs, lost wages, and other expenses related to the surgery.
The Wait Is Necessary
An experienced Louisville car accident attorney will advise you to wait until your doctor has released you. In most cases, the doctor won’t release you until you have reached maximum medical improvement (MMI). MMI is the point at which you have healed as much as you can heal given your injuries.
Only after you have reached MMI can we correctly calculate your damages based on whether you have permanent disabilities, scarring, or disfigurement. We need to know your medical prognosis before we can estimate any future medical bills or future loss of income. In some cases, future damages can be a substantial portion of damages. If you settle your claim too quickly, you won’t receive money for your future losses.
Therefore, it is best to wait until you have recovered fully before settling your claim. It may be difficult to wait, especially if you are out of work and need the money. However, this is the best option you have to receive full compensation for your damages, injuries, and losses.
Call a Louisville Car Accident Attorney for More Information
Our attorneys understand you need to settle your case as soon as possible to receive your money. However, we won’t do anything that jeopardizes your ability to receive the maximum compensation allowable by law. On the other hand, we fight to settle your claim promptly given the extent of your injuries and the circumstances in your case.
Call the Shelton Law Group at 1-888-761-7204 or use the contact form on our website to schedule a free consultation with one of our Louisville car accident attorneys. During your free appointment, we can answer your questions regarding timing and compensation in greater detail based on the facts of your case.