What You May Not Know About Car Accidents

Car accidents happen daily, and most motorists know the basics, like exchanging insurance information and calling law enforcement.

Still, few drivers realize the full implications and effects of car accidents.

From delayed injuries to tricky insurance negotiations, the effects of a car accident generally involve much more than the average driver may think.

Whether you're a seasoned driver or a new license holder, knowing these lesser-known facts can help you defend yourself legally, medically, and financially in a crash.

Some Injuries May Have Delayed Symptoms

The most common car accident myth is that you're fine if you're not hurt immediately.

The reality is that whiplash, concussions, soft tissue injury, and even internal bleeding may not show up immediately. Adrenaline from the crash can mask pain temporarily.

Hours or sometimes even days later, victims may begin experiencing the effects, from neck stiffness to headaches, dizziness, or nausea.

That is why you should seek medical attention as soon as possible following any car accident, even if you don't feel hurt.

Delaying treatment puts your health at risk and your claim for the injury in jeopardy. Insurers generally argue that a delayed medical checkup indicates that the injury was not as severe or was not caused by the accident.

Fender Benders Can Result in Major Expenses

Even a minor-seeming accident, such as a low-speed rear-end collision, can have costly repercussions.

A dented fender or cracked bumper may not appear significant, but today's vehicles have hidden mechanisms and sensors that can be costly to fix.

Medical costs for injuries such as whiplash or back strain can also add up rapidly, particularly if physical therapy or follow-up visits are required.

Most motorists are surprised that their insurance does not pay the whole bill. If the other driver is uninsured, underinsured, or your policy has low coverage, you will pay out of pocket.

That's especially true with a problem in fault states like Nevada, where the driver responsible for the accident, or their insurance company, is on the hook for the damages.

Insurance Companies Are Not Your Friend

Insurance is supposed to protect you, but insurance companies are businesses. They would like to save money and make as much as they can.

This generally means they will attempt to devalue or deny your claim. Adjusters will try to get you to settle out quickly or say something that can be used against you later.

It's also important to remember that you don't always have to accept the initial offer and can consult with an attorney before communicating with an adjuster. This can help you have a better opportunity for an equitable settlement.

There Is a Time Limit on Filing a Car Accident Claim

Every state has a time frame called the statute of limitations that sets a time limit to file a personal injury lawsuit.

If you fail to meet this deadline, you can lose your right to claim compensation, no matter how good your case is. You must act quickly after an accident, especially when seriously hurt.

The Value of a Car Accident Lawyer

Though it's technically possible to navigate a low-level accident claim, having a car accident lawyer can make a difference, particularly in more severe situations.

A lawyer has expertise in personal injury law, negotiation skills, and insight into working with insurance companies that the average person lacks.

An experienced car accident lawyer can: