Filing a Claim After a MVA (Motor Vehicle Accident)

Filing a Claim After a Motor Vehicle Accident (MVA)

Motor vehicle accidents (MVAs) can have a huge impact on the lives of everyone involved. This can come in the form of physical injuries, emotional trauma, and financial strain. At Chambers Medical Group, we understand the importance of patients filing a claim. The claim number you are given will open doors allowing you to address these problems. Dr. Aaron Workman, a patient favorite at one of the highest rated auto injury medical care facilities, Chambers Medical Group of Kentucky, explains six reasons you SHOULD file a claim with your insurance following an MVA.

1. Medical Expenses:

One of the biggest concerns most will have is the cost of medical treatment for injuries sustained in the accident. From emergency room visits and hospitalization to ongoing rehab and therapy, medical expenses can quickly accumulate, placing a significant burden on accident victims and their families. Filing a claim allows individuals to seek compensation for these expenses, ensuring that they receive the necessary medical care without bearing the full financial burden themselves.

2. Property Damage:

In addition to physical injuries, MVAs often result in damage to vehicles and other property. Repairing or replacing a damaged vehicle can be costly, especially if the vehicle is essential for transportation to work or school. By filing a claim, individuals can recover compensation for property damage, enabling them to repair or replace their vehicles and alleviate some of the financial strain.

3. Lost Wages:

For many accident victims, injuries sustained can prevent them from working or performing their usual job duties, resulting in lost wages and income. This loss of income can exacerbate financial difficulties and make it challenging to cover basic living expenses. Filing a claim allows individuals to seek compensation for lost wages and income, providing much-needed financial support during the recovery process.

4. Pain and Suffering:

Beyond financial losses, individuals may also experience significant pain and suffering. How valuable is your time? It is very stressful day one, with the time spent losing a vehicle, finding a rental, keeping a rental so you can still work, and it may take months just to get your vehicle back. This can all happen before you feel the full impact of physical pain. Filing that claim allows individuals to have some access to compensation for the life altering event which has occurred.

5. Long-Term Rehab and Care:

Some injuries sustained may require long-term rehabilitation and care, specialists, and ongoing medical treatment. If you do not file a claim the provider may not see you. If you attempt to use your private health insurance for a MVA, you can get a letter from your health insurance questioning if your injuries are from a MVA leaving you with that bill. These expenses can add up, particularly for individuals who require ongoing treatment.

6. Legal Protections:

Finally, filing a claim post MVA can provide some legal protections. It will aid you if working with an attorney who will help you understand your rights, follow the claims process effectively, and help you avoid being taken advantage of by insurance companies with less stress.

There will be no shortage of stress that will follow being involved in an MVA. Reporting your injuries, getting your claim number, and seeing a health provider are all the first steps of getting life back to normal. Without this, addressing immediate needs, covering medical expenses, and even hiring an attorney can become an anxiety ridden event that will only prolong your healing process. If you find it all too much, we at Chambers Medical Group can help guide you through that initial process while also

seeing you in our clinics to address any injuries you may have sustained.

— This article is written by Aaron Workman, DC, one of the members of Chambers Medical Group’s team of car accident chiropractors who offer a variety of treatments and therapies ranging from diagnostic testing to various soft tissue therapies for car accidents and injuries in Kentucky.

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