While an automobile collision may not appear to be significant at first glance, first impressions can be deceiving, particularly when it comes to musculoskeletal injuries and brain trauma.
To begin with, there is no clear definition of what defines a “small” automobile accident. A minor accident is often defined as one that causes less than $1,000 in damage.
A small car accident is also defined as one in which the vehicle is not damaged and the passengers are not injured.
Even then, you might dismiss your symptoms as minor and hope that they will go away on their own.
However, this could be a major blunder that benefits the insurance business.
Insurers and their defense lawyers routinely argue, and cite experts to back up their position, that the forces involved in low-speed collisions are insufficient to inflict injuries.
However, a large body of evidence suggests that even low-speed collisions can result in persistent injuries, such as “whiplash,” a form of injury to the soft tissues (ligaments and muscles) of the neck, and concussions.
For example, a research article published in 2021 concluded that the “biomechanical method” (i.e., the insurance industry’s defense mechanism) grossly underestimates the actual risk of low-speed hits in the real world.
There is no such thing as a “mild” concussion, according to new studies. Headaches, weariness, brain fog, memory issues, and other symptoms of post-concussion syndrome affect some people.
These signs and symptoms might persist months or even years.
Whiplash can cause similar symptoms, which might last a long time. Whiplash and concussions can happen in low-speed incidents with little damage to the car.
The problem with presuming your injuries are “small” is that you may file an initial vehicle accident claim only to discover later that your injuries were far more serious.
The insurance company may put pressure on you to settle your claim very away, but you are not obligated to do so.
Contact Jim Adler & Associates for a free case evaluation if you need assistance dealing with the insurance company or advise on getting medical treatment.