Florida is a no fault insurance state. Every driver has to have personal injury protection (PIP) insurance coverage. Drivers also have the option to buy liability insurance, but don't have to purchase bodily injury liability coverage by law. Most drivers do buy a liability policy.
After a rear-end crash happens, all involved parties can usually make a claim with their own insurer to get their medical bills paid for, and to get partial lost wages coverage when their injuries necessitate time off from their jobs. If the injuries are serious, the victims of the crash can also sometimes make a case for compensation against the driver who was at fault for causing the wreck. This is presumed to be the driver who hit the lead vehicle in rear-end crashes, since it is the rear motorist's job to stay a safe distance away from the car in front of him.
Unfortunately, insurers make it difficult for crash victims to get compensation. Victims need to do everything they can to make a solid claim with insurers to get their car crash losses covered. One of the most important things victims of rear-end collisions can do to protect their right to get crash compensation is to seek medical attention after a rear-end accident in West Palm Beach.
Why You Should Seek Medical Attention After a Rear-end Car Crash
Victims of a collision should seek medical attention after a rear-end car crash because the injuries sustained in the collision could be very costly to treat. Auto Insurance Center indicates the cost of car accident injuries is going up. Between 2005 and 2013, the cost paid for a bodily injury claim increased from $11,738 to $15,506. This means crash losses cost around 32.1 percent more after collisions in 2013 than just a few years prior. For PIP claims, there was a 38.2 percent increase in claims payouts, from $5,802 per claim on average in 2005 to $8,017 per claim on average in 2013.
Most people cannot afford to pay for all of their injury costs on their own, especially because rear-end crashes can cause serious injuries like whiplash or brain injury which may impact the ability to work for a long time and which may be very expensive to treat. This is why PIP coverage and bodily injury liability coverage exist- to pay for these losses up to policy limits for collision victims. However, to get insurance coverage from an auto insurer for crash losses, you have to be able to prove the injuries happened as a direct result of the car crash.
Going to the doctor right after the accident and getting medical help immediately allows you to show clearly that the accident was the direct cause of the injuries you sustained. The doctor can document the injuries and provide details about how they were caused by the crash. If you wait to get medical help or don't get medical help at all, you will have no evidence to show the insurer about your injuries and are unlikely to get a claim approved and your losses covered.