Last week I was involved in a car accident, and looking through my insurance policy, but I am having difficulties understanding the specific differences in each case. I have had to some hospital and follow up visit fees from my doctor. Does this make my insurance claim for the damages to my car a personal injury case?




Answer:
Car accident insurance claims are the combination of costs from personal injury and property damage. A car accident claim may a type of personal injury case property damage case or both. The property damage is totaled by not only damage to the vehicle, but any other involved property whatsoever. The personal injury cost is totaled by not only the explicit medical costs, such as received in this case, but all other associated costs from the injury, such as lost wages and emotional or mental trauma.
As in this case, when medical costs are low, it is sometimes beneficial to leave them out of the insurance claim. This is because personal injury claims are best made with extensive documentation and the use of multiple doctor evaluations for the most accurate total cost assessments. But of course, they can still be included, and will not change the car accident claim. They are simply a possible addition, just as a car accident insurance claim may be made with only a personal injury, and the property damage as possible additional costs.
Talk to an Accident Attorney to get more information on your legal options to recover personal injury damages.
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Posted by Greg Cohoat on 04 Jun 2010