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Why Seek Medical Attention after a Rear-End Crash in Louisville?

On Behalf of | Jan 27, 2016 | Motor Vehicle Accidents


After a rear-end crash in Louisville, every victim involved in the accident should see a doctor and get a complete and accurate diagnosis of collision injuries. Sometimes, injuries don’t cause symptoms right away. For example, Web MDindicates it is common for whiplash symptoms not to show up for at least 24 hours following the trauma causing the whiplash. Mayo Clinic also indicates it is common for symptoms of injury to the brain to be delayed in manifesting with outward signs. You’ll want an exam so any possible problems you’re experiencing but not yet symptomatic for can be diagnosed and addressed in a timely manner before an emergency situation is reached.

There is also another reason why you should seek medical attention after a rear-end crash, besides just protecting your health. Seeking medical attention is essential so you can make sure you have documented proof of injuries which will be necessary when you make an insurance claim.

Why Seek Medical Attention After a Rear-End Crash?

Victims of rear-end crashes typically should be able to get either their own auto insurer or the auto insurer of the driver who caused the collision to pay for losses. It’s usually presumed the rear driver caused the crash because he was the one with the power to leave enough space to stop his vehicle before hitting the car in front. This means anyone in the vehicle struck by the rear driver could possibly have a claim against the rear driver’s insurer.

Kentucky is a choice no fault state, which makes auto insurance cases complicated since crash victims can sometimes pursue a civil case against other motorists who cause crashes in order to get broader compensation. However, the good thing about no fault states is even victims who cause accidents can get some of their costs paid for by insurers.

This means, depending upon the circumstances, drivers in the front vehicle have options to make a personal injury protection (PIP) claim against their own insurer or a bodily injury liability claim against the rear driver. The driver in the rear, on the other hand, usually can make a PIP claim but wouldn’t be able to prove the front motorist was to blame for the accident so can’t make a bodily injury liability claim.

For both PIP claims and bodily injury claims, getting medical attention after a crash is a key part of getting an insurer to pay. When you make a claim with your insurer or another insurer, you are going to have to show damages which were specifically caused by the car wreck and will have to show the extent of those damages.

Medical records from an exam after the crash can provide detailed information on how badly the accident hurt you and what you should be entitled to in terms of compensation. Going to the doctor right away and getting an exam done also guards you against claims by the insurer suggesting your injuries were caused by something other than the wreck. If you delay in getting a medical exam, this could be used by the insurer to try to argue your injuries aren’t really as bad as you are making them seem.

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