Why Insurers Fault St. Louis Car Accident Victims For Not Seeking Immediate Medical Care

Insurers often fault claimants for not seeking medical attention immediately after a car accident for a few key reasons:

Weakened Causation Argument:

• Time Gap: A significant delay between the accident and seeking medical care creates a gap in the medical timeline. This allows insurers to argue that the injuries might have resulted from another incident that happened in the interim. They can question whether the car accident truly caused the injuries you're claiming.

• Lack of Documentation: Without a prompt medical evaluation, there's no initial medical record linking your injuries to the accident. This weakens your case, making it harder to prove the accident directly caused the issues you're experiencing.

Reduced Medical Expenses:

• Lower Costs: If you delay seeking medical attention, some injuries might heal on their own or worsen without proper treatment, leading to potentially higher medical bills in the long run. Insurers aim to minimize their payout by using this argument.

Pre-Existing Condition Claims:

• Leverage Opportunity: By waiting to see a doctor, insurers might suggest your current complaints are due to a pre-existing condition that wasn't aggravated by the accident. This tactic helps them avoid liability for your medical care.

How to Protect Yourself:

• Seek Medical Attention Promptly: Even if you don't feel immediate pain, get checked by a doctor as soon as possible after an accident. This creates a clear medical record linking your injuries to the accident.
• Document Everything: Keep copies of medical bills, doctor's reports, and any other documentation related to your medical care.
• Explain the Delay (if applicable): If there was a legitimate reason for delaying medical attention (e.g., shock, transportation issues), explain it clearly. However, focus on seeking medical attention as soon as possible.
• Consider Legal Counsel: An experienced personal injury lawyer can advise you on the best course of action and fight against the insurance company's attempts to use your delay in medical attention against you.

Additional Tips:

• Don't Discuss the Accident with the Insurer: Unless you're reporting the claim, avoid detailed discussions about the accident with the insurer before seeking medical attention. Stick to the facts when reporting the claim.
• Keep Records of Communications: Maintain a record of all communication with the insurance company, including dates, times, and who you spoke with.

Remember, seeking medical attention promptly strengthens your car accident claim. It creates a clear link between the accident and your injuries, making it harder for insurers to deny or reduce your compensation.