On your normal daily drive to work, the unexpected happens. Joe Q. Public runs a signal light and plows into your car. If you have read the CarInsurance.com article Auto Accidents and Lost Wages, you already know there is more than car damage reimbursement that you need to be go after. If you are injured in an auto accident, you will want to be compensated for pain and suffering as well.
This accident was not a minor collision; it hurt not only your car but you as well. You already have to settle with Joe Public's insurance company's adjuster for the car repairs, or possibly the car if it was totaled. You also have to discuss with them how they need to pay you for your lost wages. So do not forget to get pain and suffering compensation.
Depending on the accident that occurred, you might be more damaged than your vehicle. For your injuries, there will be medical bills and make sure the adjuster is aware of this fact. If you were pretty banged up in the collision, make sure the insurance adjuster knows this and do not let him or her forget.
To negotiate on your pain and suffering the first step is to gather together all of your medical bills. These will be your weapon against the adjuster. The best way to build up your "war chest" is to get all of your medical evidence of your injuries. Ask your doctor to keep detailed notes of your aches and pains so that they are officially documented.
If you need to visit a chiropractor for neck or back problems, make sure you get a doctor's recommendation when you go so that there is a direct line drawn between your automobile injuries and the visits to the chiropractor or any other type of specialists. Along with this, keep a list of any medications prescribed to you by any doctor that treated you for your injuries. The medications you had to use for pain relieve or inflammation should help convince the adjuster that there is compensation due for pain and suffering.
Pain and suffering is felt and not usually seen by the naked eye. What you can do to document your medical issues is to take pictures of any of the bodily injuries that are visible. Take pictures of cuts, bruises, or marks on you. If your also have swelling of your arm, leg or elsewhere photograph that as well. Take the photos up close and from a few feet away and close up so that the area of harm can be easily seen.
Now that you have your documentation and "war chest" assembled, you can now take on Joe Q. Public's insurance adjuster. After you have settled with the adjuster for the amount due you for car damages and the actual medical bills is when it gets hard. You now have to prove what lost wages and pain and suffering you should be due. If you do not feel comfortable doing the negotiating to get what you have coming to you it is time you should get a lawyer that is well versed in dealing with insurance adjusters.
If you decide to deal with the adjuster yourself, be ready to push for what you deserve. Talk to him or her about what injuries you had. The pain you went through, the continued pain you have and that might last for many years. The longer the length of your recovery the greater your pain and suffering settlement amount should be. You want to be compensated for future doctor visits and prescriptions. You did not cause the injuries so you do not want to be the one that has to pay for the continual medical car.
Bring out your medical records, your prescriptions, and your pictures. You want to show the adjuster you are well prepared and serious. The rule of thumb for pain and suffering is three times your medical bills. For this reason alone, all of your medical bills are invaluable. That is why you should continue to see the doctor for as long as you need after the accident. Do not stop going to the doctor if you are not back at 100%. These medical bills are calculated into what the total should be for your pain and suffering.
Pain and suffering due to accident injuries is not pleasant and you should be compensated by the at fault person's insurance. Gather your pertinent documentation and stand up for yourself. Use your "war chest" and show the insurance adjuster what your injuries are really worth.