Sitting at a red light in traffic, you are suddenly hit hard from behind. A midsize sedan has crashed into your rear bumper. Shocked, you see the driver of the other car jump out her door and rush toward your window. Unrolling it, you listen as she tearfully apologizes and takes out her checkbook, offering you $1,000 to settle the damages. Getting out, you see your rear bumper loose and dangling with a dent about a foot in diameter. Realizing you were thrown forward by the impact, you feel a bit dizzy. The woman is looking earnestly at you, hoping to avoid an insurance hike on her policy if the accident is reported.
Should you settle now?
You are not sure of the implications because you have never been in a car accident before. You’ve heard people can have injuries that don’t show up for days. You don’t think your accident was serious, but you were taken by surprise and thrust forward.
Politely you explain a police report is needed to clarify the situation. You will stop by an urgent care center to be checked out. Crestfallen, the woman nods and gets back in her car to wait for the police that you are dialing on your cell phone. When the officer arrives, you and the other driver provide details for the report, and you accept the woman’s name and phone number in case you decide to settle with her over the next few days.
Obtain medical evaluation.
The urgent care doctor examines you and says you might have whiplash and a concussion. You are advised to follow up with your regular doctor. Your car is damaged and shouldn’t be driven. Your injuries seem to be minor, and yet their nature is unclear. You decide to contact your family attorney, who advises you to see your regular doctor.
The doctor examines you within a few days and confirms suspicions of concussion and whiplash. You are sent for a CT scan and neck x-rays. The doctor recommends you take a few days off work to rest and see if other symptoms develop. You arrange a loaner car while your vehicle is repaired.
Complications can arise over time.
Everything is shaping up to the point where it appears there could be personal injury lawyer Toronto damages worth far more than $1,000. Your attorney advises you to continue collecting information from your doctor and the car mechanic. Within a few days, expenses have mounted to nearly $3,000. You decide to file a claim, and your attorney agrees to represent you.
Filing a personal injury claim is not easy. Often, medical diagnosis, lost wages, and car repairs help to clarify any losses attributable to the accident. If in doubt, contact a personal injury attorney for guidance.