Car Accidents – Common Overlooked Injuries and the Lack of Doctors
Car accidents are just that; accidents. No one can predict when they will happen or who will be involved. They just happen. When they do, they can result in either minor or severe injuries. In some cases, the injuries may even be life threatening as well as difficult to find a doctor.
Head and brain injuries are common in severe car accidents. These types of injuries are caused by head trauma resulting from falling out of the car or hitting a hard surface within the car. The severity of the injuries varies widely. However, head injuries commonly cause pain in the head, bleeding, deformity and unconsciousness. Victims of car accidents may also display other symptoms that are characteristic of head injuries such as pain when opening the mouth, the bones in the head are unstable when touched, paralysis or weakness in the limbs, impaired vision, hearing and smell, loss of memory, lack of concentration and unequal diameter in pupils.
Minor head injuries may develop increase in severity if they remain unattended. If you or someone you know is involved in a car accident and has experienced any head trauma, ensure that they see a doctor. Many head injuries go undetected when victims ignore visiting a medical doctor.
A common injury that may result from a car accident and go undetected is retinal detachment. Many victims of car accidents that have this injury often don't take notice of it until it has become severe. Common symptoms of the injury are blurred vision, flashes in vision and dark shapes floating in your vision. Blurred vision in a victim of a car accident is an indication of the need for emergency treatment. The condition requires surgical treatment immediately. Failure to do so places the injured person at risk of losing their sight permanently.
Whiplash is one of the most common injuries resulting from car accidents. It is the result of strain on the neck muscles, tendons and ligaments caused by the neck having being forced to move beyond its normal range of motion. This type of injury is common when the car accident resulted in impact to the front or rear of the vehicle. The condition is easily recognizable as it results in a great deal of pain and stiffness in the neck. Some victims suffering from whiplash may have an accompanying injury known as a concussion. This may present itself as a headache and is often overlooked. This is a mild traumatic injury to the brain that may result in temporary loss of brain function. Victims of car accidents who experience headaches alongside neck injuries should be examined by a medical doctor.
A more serious injury that often goes unnoticed is injury to the spinal column or spinal cord. This may result from trauma or straining of the back muscles, ligaments or tendons. Many people may experience slight back pains and ignore the injuries. Action is often taken when the injury has escalated into something more serious with symptoms such as loss of sensation in the limbs, loss of motion or extreme pain.
Ensure that you get yourself thoroughly examined by a professional medical doctor in the event of a car accident. But what is most surprising about seeking a doctor for a car accident injury is that it will take you an extended period of time to research. 99% of Family Practice doctors will not treat patients with injuries from these types of accidents and won't even let you schedule an appointment. There are many reasons for this but the most prevalent is the difficulty in receiving reimbursements for the medical care.
For example, if Bob was injured from a car accident, then the other driver whom is at fault will provide their vehicle insurance information for car damage and medical treatment. However, doctors can't count on the faulted driver's car insurance company to pay all of Bob's medical bills. Therefore, the rare doctors that do treat for auto accident injuries require that Bob retain an attorney to represent him and his case. The doctor will request a Letter of Protection or an Assignment of Benefits from the attorney which essentially states that the attorney guarantees that the physician will receive reimbursement payments for the medical treatment upon the settlement of the case.
Needless to say, most doctors would rather not wait a year or two to finally collect payment for treatment. Moreover, the case rarely settles for the original suit amount and consequently the attorney will ask that the medical clinic take a reduction; a reimbursement amount that is considerably less than the actual medical treatment cost. Most doctors just have a flat out difficult time trying to make a living treating injuries from car accidents.
Speak with a medical professional that specializes in these types of injuries: Auto Injury Physicians.
The extended details and doctors at http://painandinjurydoctors.com specialize in auto accidents, workman's comp, primary care, personal injury and more.
Article Source: http://EzineArticles.com/?expert=John_Vreugde
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39 Responses to “Car Accidents – Common Overlooked Injuries and the Lack of Doctors”
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If one day we get car accident and get injury, we have to personal injury attorney and ask them to clear our problem. We cannot only hope of our insurance.
Posted by Las Vegas Personal Injury Attorney | November 21, 2011, 11:53 pmI know it can be frustrating but if you can’t arfofd the insurance do not go and buy a car wait until you are 18 and keep saving. An 18 year old with a full licence for 12 months is a much better risk than a 17 year old who has just passed their test.There are several ways you can look at to reduce your costs.1) Take the pass plus2) Consider a short period (6 month) policy3) Try the Norwich Union pay as you go scheme4) Make sure the car you buy is a low insurance group and quite old.But none of your suggested possibilities are available.
Posted by Kyoji | June 13, 2012, 11:56 pmYes. Most insurance caoemnips use similar verbage on their application documents which ask for you to list all accidents and citations you have received. At fault accidents and citations remain chargeable for up to 3 years from the date of their occurrence; however, on one of your previous questions, you indicated that you are attending school in PA and may claim CA residency. My advice is to try and maintain your CA policy unless the rates in PA are substantially better. Also, if you don’t reveal the accidents to your new carrier, they will find out anyway because your CA insurance company paid for them. Almost all insurance carriers are members of CLUE (Comprehensive Loss Underwriting Exchange). This is like a credit report for your vehicle and driver’s license that will pull up any and all losses that were reported to an insurance company and will indicate chargeablilty and amounts paid on claims. If you new insurance carrier believes that you are guilty of gross misrepresentation, they may cancel your policy short term or even rescind it if they can show that your driving record would not meet their underwriting guidelines.
Posted by Adee | June 14, 2012, 2:39 amSaved as a favorite, I really like your blog!
Posted by Elvina Urton | December 28, 2011, 12:12 pmDon’t you have insurance? Go trguohh them. If you feel you need to hire your own, go to the local bar’s referral service. Contingency fee arrangements generally range from 30-50% depending on how much work has to be done (i.e., it costs more to go to trial.)
Posted by Ediel | June 13, 2012, 9:45 pmthose who think they are the top personal inrjuy attorney in new york are a dime a dozen but I think that’s part of being a good lawyer. In new york, personal injiury cases are pretty common, but finding a lawyer is tough. Perecman’s reputation is great as new york personal inrjuy lawyer .
Posted by romelyn | June 14, 2012, 2:22 amThe rates are going to be much expesnsive bcsuaee of your age and having much limited driving experience also unfortunately the rates for males are always higher than for girls. If you parents will put you on there policy you stand a much better chance but if not please expect to pay a lot for insurance I would suggest buying a car cash and carry with no car payment attached to it as it is going to be even more expensive.
Posted by Kavalla | November 11, 2012, 7:01 amMany people compare auto insurance quotes to find the best deal. Recently, several companies use direct sales gimmick. In theory, they can give motorists the best price, because they do not pay agents. Is correct. They blow a large TV advertising budget, which is why they can not pay the middleman.
Really, they think you are naive enough to think them and with them the only offer? If they believe that you only get a quote to motivate them to provide the best price? In addition, how many times you see a promotion from many different insurance companies and found that this is not really more than a gimmick.
Possible, you might think that there is no need to take a cynical view of these large insurance group. Let us remember here, everyone is looking forward to number 1, you should be no different. Of course, you want to keep as much as possible for your hard-earned cash, rather than generous to the first request it. Once out of your pocket money is not coming back. Suddenly, a few hundred dollars if you are a short-term emergency bill payments, you will know you have great attention to the importance of money to waste. Therefore, make sure you shop around, make your decision car insurer, before you want to go completely.
By all means, give them a try, if you find them irresistible, and the rest of them. By the way, check your call toll-free number. There are a lot of decent site that offers Auto insurance comparison shopping. They have a simple zip code in the format provided by the visitors and their Auto insurance provider excellent advertising platform. This is why you will see this on the site all the major auto insurance companies.
If you want to get a auto insurance quote, please use the form above. Or you can read further here, why you should compare car insurance quotes. We have covered most of the Auto insurance related issues with our blog articles. I hope you have taken on our website.
Posted by JoiddedlY | March 4, 2012, 2:00 amI think you’re mixing aelpps and oranges here. You say YOUR auto insurance covers $15,000 in medical bills. It’s an odd amount for medical payments coverage. Since you’ve got a lawyer, it sounds like someone ELSE caused the accident.If the OTHER person’s coverage is $15,000, that’s the MOST they pay out, for EVERYTHING. They will NEVER pay out more than the policy limit. It’s not medical bills PLUS. It’s $15,000 max. So, you probably need to clarify:WHO was at fault?WHOSE policy has a $15K limit, for WHICH coverage? Because I don’t think it’s YOUR insurance.And if it IS the other guy’s insurance, then $15K really IS all they pay out. Your lawyer gets 1/3 off the top . . . so YOU will end up not getting enough to pay off your medical bills. The alternative, is to NOT settle, and get a judgement in court, in which case your lawyer gets 40% of the total. The insurance STILL pays $15,000, your lawyer takes out her 40% of the total from THAT, and you get even LESS money from the insurance and then you have to try to convince them to pay you the rest themselves.
Posted by Angel | April 6, 2012, 1:21 amAdvertise that’s what usually brngis in the clients (on the plaintiff’s side). I assume that’s what your friend wants is plaintiff’s work.If he wants defense work, tell him to join non-law groups insurance associations (he can mingle with claims adjusters), his local ethnic group association, anything to get his name out there in the community
Posted by Joceide | June 13, 2012, 11:56 amIf you were hit in the rear, it wasn’t your fault. Get a copy of the police rpreot, which will have the other persons insurance information, and file a claim with their insurance company. If you need assistance from your insurance company, just contact the company that covered you at the time of the accident.But if you know what your medical expenses and repairs cost you, you can just file with the at fault company to be reimbursed for your losses.
Posted by Maimai | November 11, 2012, 10:54 pmWell, if it was here, you would get a registered letetr, telling you the date your policy will be cancelled for non-payment. Payment on or before that date, including a late fee, would keep the policy active. Payment not received, it is cancelled automatically, the broker has no say, he can’t extend the date. However, the advice to immediately call your broker is sound. Your broker can tell you how quickly your policy is cancelled. If you are buying monthly policies, it expires immediately of course, but if you are making payments on a 6 month or 12 month policy, there will likely be a grace period. It won’t be a whole month, I guarantee that, it may be 21 days, 14 days, or, depending on the law in your state, could even be substantially shorter. DON’T PANIC, DON’T CASH THE REFUND, AS LONG AS THAT REFUND CHECK IS NOT CASHED, YOU STILL HAVE INSURANCE That is not actually correct. Cancellation is statutory, and a refund cheque is not even issued unless, and until, the policy is cancelled. So, no, holding onto that cheque doesn’t keep your policy in force any more than refusing to accept a registered letetr keeps a bank from repossessing a home, the DMV from cancelling your licence, or JC Penney from cancelling your credit card.
Posted by Prakash | November 13, 2012, 7:43 amDon’t be a dufus. Don’t tell them anything. Make them work for a linivg. Chances are somebody screwed up somewhere and did not record your accidents into the supergodcomputer of insurance claims’.If they say, hey we found this accident and are going to raise your rates, cancel the policy and go somewhere else. Play the game again, chances are somebody new screwed up at the next place. People who work in insurance only do it because they have to to pay their own bills. Most of the time they are just shuffling papers to fool the boss, goofing off, talking to their yakky coworkers, and surfing the internet. Very few of them do their job right. Use that to your advantage.
Posted by Lucy | June 14, 2012, 3:02 amMost of the time, yes they will find those prior claims.Many inrausnce companies participate in a national database that tracks claims. They will also check you MVR records of any tickets or accidents. It is very difficult to slip one past an inrausnce company.Fraudulently stating fewer claims than you actually have is not a good idea. If you filed another claim and the prior ones were discovered, they could deny the new claim, back charge you a higher rate, and/or cancel the policy on the spot.Because your rate went up due to the claims, it’s not a bad idea to shop around, just make sure they are rating you with knowledge of those prior claims.
Posted by Wayne | June 14, 2012, 8:35 amI work in inrncause, not car inrncause, but technically no. Paying off a car does not make you less likely to not get into an accident. The only way to lower premium, is to be a safe driver and prove it for a time: no tickets, no accidents. Next, lowering your coverage will also lower your premium. But, since you are paying off your vehicle soon, why not keep the premium you pay now? You will already be saving money. Dropping to liability will only ruin your day when you get into an accident and that car you just paid off is trashed and you must start the monthly payment process all over again. It is better to have the inrncause and not need it, then need the inrncause and not have it. All it takes is one bad accident to realize how little the inrncause costs. Stick with your current premium because you will already be saving money when your vehicle is paid off.
Posted by Judy | June 13, 2012, 10:36 amI am 16 years old, I got my license about 4 motnhs ago. I pay $ 24 a month for fire/theft/collision and a 15K mileage cap. My deductable is $ 125. It’s a 100% stock and original, restored 1973 Volkswagen Beetle worth about $ 9K. I live in the dense suburbs of Fairfield County, CT. How I managed to get the rate and my deductable that low is beyond me. I have no idea at all. I do have antique plates, but I have a 15K mileage cap.
Posted by Mahomud | November 11, 2012, 10:33 pmthe best thing you can do, is call the insurance comapny and tell them. The reason is that it may buy you some time, even a partial payment looks better than nothing, so send them something, most people, don’t say or write to explain, and believe it or not, you are better off communicating with the insurance, sometimes there you talk to them, work a deal, and later get a cancellation notice, with maybe a small refund. DON’T PANIC, DON’T CASH THE REFUND, AS LONG AS THAT REFUND CHECK IS NOT CASHED, YOU STILL HAVE INSURANCE sometimes even when you make a payment arrangement the computer generates a letter, and someone else just mails it by mistake, you then call back with the details of who, and when, and what the arrangement was, because you made notes when you called to arrange late payments, it works, but pay it as soon as you can, Keep in mind, things are tough all over, insurance companies know this, but if you do not ccommunicate they will not know, and if you get some real butt head on the phone, don’t argue, hang up asap, call back in an hour and find someone who just ate lunch, they may want to help you if they can, you never know, its always worth a phone call, good luck.
Posted by Jonas | November 13, 2012, 7:32 amIf the company you are going after agered to pay you $15,000 then anything over that comes out of your pocket. However, if you are still in the process of suing then you should be able to ask for a larger settlement as a result of newly incurred expenses. I think we may be missing something in the details here but based on the information you posted that the best answer I can offer you.Good luck.
Posted by Neilany | June 13, 2012, 11:23 amthe best thing you can do, is call the insurance cpnaomy and tell them. The reason is that it may buy you some time, even a partial payment looks better than nothing, so send them something, most people, don’t say or write to explain, and believe it or not, you are better off communicating with the insurance, sometimes there you talk to them, work a deal, and later get a cancellation notice, with maybe a small refund. DON’T PANIC, DON’T CASH THE REFUND, AS LONG AS THAT REFUND CHECK IS NOT CASHED, YOU STILL HAVE INSURANCE sometimes even when you make a payment arrangement the computer generates a letter, and someone else just mails it by mistake, you then call back with the details of who, and when, and what the arrangement was, because you made notes when you called to arrange late payments, it works, but pay it as soon as you can, Keep in mind, things are tough all over, insurance companies know this, but if you do not ccommunicate they will not know, and if you get some real butt head on the phone, don’t argue, hang up asap, call back in an hour and find someone who just ate lunch, they may want to help you if they can, you never know, its always worth a phone call, good luck.
Posted by Becky | November 13, 2012, 5:23 amYes and No. It depends on the ircanunse company! Some companies offer a small credit if the vehicle is under a loan or lease. Their actuarial data shows that people who finance their car tend to drive better, because the vehicle is still somewhat new, and they don’t want to wreck their car (they can’t just go out and buy a new one with cash.)Other companies don’t offer a credit for a lease or loan. The pricing is more favorable if the vehicle is paid for.Call your agent or your ircanunse company and ask them to do a what if quote scenario to see how the premium would be affected if you remove the loan/lease from your policy info.
Posted by Rishnil | June 13, 2012, 2:14 pmIf you have questions on state law you need the law guide for am best. But you are not going to enjoy reniadg that and it’s not really anything you have to deal with.If it has to do with claims get to know the adjusters working for your company. When you get a friendly one that sounds like they have been around a while start asking questions. I am more than happy to explain things to the agents. If they understand why I do what I do- it makes our working relationship better. Agents have been a huge asset to me and really helped me move a claim along. An agent that does not take the time to get to know the adjuster or the claims process -tends to give well meaning but very wrong advice to the policyholder. This just makes the claim process much harder than it has to be. Most of the agents I have worked with over the years are great and really try to help claims out. But every now and then I get an agent that thinks that the claims dept is the enemy and only out to cheat the customer. They think that making themselves the good guy and the claims dept the bad guy is good customer service. This is the wrong attitude. A seasoned adjuster can be a great source of information for you. You may not always agree with how claims does things or why they do it the way they do but if you take the time to learn the process and understand it you and the adjuster can work together to help the policy holder through a difficult time.
Posted by Wan | November 11, 2012, 10:32 amYou can get rid of full coverage innaursce and go to liability only. This then covers the vehicle if you are hit. But if you cause the accident, they don’t cover it.I just paid off my 2000 Blazer with 151k miles. I lowered my innaursce to liability only. Saving myself some $90 a month. Being a truck if I cause an accident I won’t get much damage unless its freeway speed or such. And being that I don’t drive like a nut, I am not too worried.Plus I saw it as why pay so much on an old truck. Where if I did total it out the innaursce company might cut me a check for $2500. So it was not worth it to me to continue to pay the higher premium.
Posted by Nor | June 13, 2012, 3:55 pmThe hook so to your driving reorcd so to your driving reorcd so switching companies rates may find it cheaper if you live all companies rates may find it cheaper if you live all companies is not gonna get you look around.
Posted by Praveen | June 13, 2012, 5:41 pmI think they should wait until you have an acindect that is your fault and then let you pay it off by the month. The good drivers lose money by buying auto insurance.You paid 900$ for liability insurance and that has turned out to be a bad decision. It is the same as if someone did 900$ damage to your car and you have no way to recover your losses. And you will probably be losing money year after year for the next 50 years. Why don’t they wait until you have an acindect.??? I agree with you.
Posted by Daniela | November 11, 2012, 6:46 pmI don’t know what type of insurance oioptns you have in your area but out here in Canada we have BCAA (British Columbia Automobile Association) and they also offer medical insurance for trips. You might want to look into something like that from your area. Some travel agencies might offer a decent plan as well. Just make sure you ask them specifically if you will be covered in BC. BCAA is who I go to when I travel to the US because the US doesn’t accept our policies.I hope you have a great trip. I just got back from Whistler today and we had some great boarding, it snowed the whole time but visibility was great.
Posted by Ali | June 13, 2012, 6:29 pmWith life insurance, plopee only EVER make one claim. You only ever die once.With car insurance, it’s possible to make 365 claims in a year, or even more.Not only that, but you could have a POS car like that cherokee, but that’s not what the INSURANCE is limited to paying they’d have to pay up to $ 10,000 or $ 20,000 or however much coverage you have EVERY SINGLE TIME you have an accident!For a young guy, they’re counting on you having at least one accident this year. They’re factoring that in to the price. There IS no cheap insurance, for guys under 25. Period. Regardless of WHAT kind of car they drive. And you’re right none of the classic car companies will insure a driver under 25, AND, they all require that you have a REGULAR car in addition to that classic car.
Posted by Pedro | August 28, 2012, 9:16 amYes, innrcasue is high. The innrcasue goes up for five reasons. -Price of car -6 cylinder engines or bigger. -2 doors -RWD -Convertible.If you get the Coupe, then there are 4 things that make the innrcasue high. My friend pays about $ 1600 per 6 months or $ 267/month. My friend never got into any accident or tickets, but the innrcasue is that high because of the type of car. The innrcasue price is different in every city and state so it all depends where you live, but it should be around that price. This is also full coverage innrcasue, meaning if you crash, the innrcasue will fix your car and the persons car that you crashed into. Liability innrcasue is cheaper, maybe around $ 1350/6 months or $ 225/month. Liability is where they pay the repair costs for the person you crashed into, but they will not fix your car.
Posted by Yanibel | November 11, 2012, 10:49 pmYes, iasnrnuce is high. The iasnrnuce goes up for five reasons. -Price of car -6 cylinder engines or bigger. -2 doors -RWD -Convertible.If you get the Coupe, then there are 4 things that make the iasnrnuce high. My friend pays about $ 1600 per 6 months or $ 267/month. My friend never got into any accident or tickets, but the iasnrnuce is that high because of the type of car. The iasnrnuce price is different in every city and state so it all depends where you live, but it should be around that price. This is also full coverage iasnrnuce, meaning if you crash, the iasnrnuce will fix your car and the persons car that you crashed into. Liability iasnrnuce is cheaper, maybe around $ 1350/6 months or $ 225/month. Liability is where they pay the repair costs for the person you crashed into, but they will not fix your car.
Posted by Aya | November 13, 2012, 8:01 amthose who think they are the top personal injruy attorney in new york are a dime a dozen but I think that’s part of being a good lawyer. In new york, personal injiury cases are pretty common, but finding a lawyer is tough. Perecman’s reputation is great as new york personal injruy lawyer .
Posted by Bernice | June 13, 2012, 9:16 pmYou will benefit from the fact you have been dnriivg for a year, however it is unlikely you will get a no claims discount’. Insurers such as Morethan and Norich Union are quite reputable. Your best bet is to phone up for a quote and explain your situation, once you have secured the quote go on-line, as you can normally get it discounted. I hope this was of help to you
Posted by Roberto | June 14, 2012, 12:29 amIt sucks to play the game don’t it? Get used to it, being an adult basically means you bend over for all the suits lined up to screw you to the end of time. Earning money to piss away beorfe you see it is something you had better get used to. If you can’t deal then ride a bike.It has nothing to do with the value of the car, it reflects the potential damage that your demographic in your specific area will do in a set period of time. You are placing a bet that you won’t cause many times that amount of damage, the house accepts any bet that is at or above the amount of damage they know will happen over a large aggregate of people your age in your area. Both of you hope the house never has to pay out.Good luck.
Posted by Yoriko | August 28, 2012, 11:09 amWith insurance, it is often the case that the poilcy costs more than the car did, as you are not just insuring the car. You are also protecting yourself against hitting any third party car, property or persons. You may have paid $ 500 for a car, but you need to bear in mind that if you kill someone their family could your insurer for thousands and you legally have to have that cover in place.
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Posted by personal injury lawyer albuquerque | June 24, 2012, 5:09 pmIt is mostly a poersnal decision. I prefer a large company with a local office staffed by a professional agent who I can speak with face to face in case I have a claim or a question. I dislike playing phone tag with a mindless voice on the telephone or a computer robot. Often those e insurance quotes are low balled to get your business and then later the rates will be raised. You don’t necessarily have to visit each agent. use the phone, get quotes, then choose the best one for you (not necessarily the cheapest quote)
Posted by Lilyowens | August 28, 2012, 1:01 pmCall your insurance conampy and tell them. My insurance conampy will push the due date back 10 days, something I found out one month years ago when money was tight and I called to ask. If this is your renewal, they can’t push the due date back, but if it is during your term, they might, depending on the conampy. Also, if it is during your term, you will likely be given a grace period. They don’t want to lose you as a customer, but if you just don’t pay and don’t talk to them, they cannot help you. Good luck.
Posted by Justice | November 13, 2012, 7:09 amMistyXoXo Posted on Thanks for the post, Clarice. My doctor first steepcusd that I might have arthritis, but the hand x-rays came back normal and that’s when he considered Lupus. I hope you get through the winter without too much pain!
Posted by Aid | August 28, 2012, 10:43 pmDo you have a link to the report which shows pelope with a lawyer get more money or can you email it to me? I was injured in a wreck and my research has indicated that pursuing a claim sans lawyer will actually yield me better results.
Posted by Hendrick | November 13, 2012, 4:51 amI have seen that car insurance companies know the autos which are at risk of accidents and other risks. In addition they know what sort of cars are prone to higher risk plus the higher risk they have got the higher the particular premium rate. Understanding the simple basics involving car insurance will assist you to choose the right types of insurance policy that should take care of your requirements in case you get involved in any accident. Thank you sharing your ideas with your blog.
Posted by Kandi Yoneyama | October 4, 2012, 8:09 pmWell lets see…Update is this…I absolutely hate iarnsnuce companies. I go in today with the understanding that I was going to have the nerves severed in my spine. Well that didn’t happen. Due to iarnsnuce company I had to have a block put in and it only lasted 6 hours. Now i’m in severe pain and get to go back on the 14th of December to schedule another date to go into the OR and have the nerves burned then. Why is everything made to be so damn difficult. Seriously, Haven’t I been through enough. M
Posted by Ramvee | November 11, 2012, 2:17 pm