Bill Quickel's - Insurance Plus Agencies Inc. Blog
Whiplash is a painful, debilitating condition that occurs as a result of rapid back and forth movement of the head. A rear-ending car crash is a common instance in which whiplash occurs. If it happens to you, you may begin to feel pain a day or so after. What should you do if you develop this condition? Will auto insurance pay for it?
Whiplash is an injury of the tendons and ligaments in the neck. It occurs when the head moves rapidly back and forth, such as after a car hits you from behind. This causes those muscles to extend beyond their normal range. This creates inflammation and pain. However, the pain often takes a day or so to develop. You may feel fine after the accident. Then, a few days later, you may be unable to move your neck.
After a car accident, visit a doctor’s office or the emergency room. Ensure a full exam occurs. It is also important to report any changes when they occur in the coming days. Whiplash might only be a small part of a bigger problem.
When Someone Else Damages Your Car
In situations where you suffer whiplash after a car accident caused by another driver, report it to that insurance company. In most states, the other driver’s auto liability insurance should pay for the losses you suffer. This includes any medical losses that occur. Whiplash brought on by a car accident is a part of this.
When You Caused the Accident
If you suffer any type of medical injury after a car accident you are responsible for, your health insurance policy generally covers the cost. Most of the time, drivers without specialized coverage cannot claim their own medical losses on their car insurance. On the other hand, if you have medical payments coverage, that policy will cover the losses you have in relation to whiplash or other injuries. However, health insurance will usually be your first line of help.
If your passenger develops this condition, your medical payments insurance or other policies may cover their medical losses as well. Keep in mind that you need to file a claim for all losses directly with your car insurance agent. Update them on any type of change in your health or that of other parties as they occur.
Because it often takes time for whiplash to develop, you should not settle an auto insurance claim right away. Give it time to learn what the total cost of your losses will be. This helps to ensure you get full coverage for any of the losses you have from the accident. And, it protects you financially from loss.
Blog Post by: ITC