Did you know that CT is an “at fault” state?This means there are certain things you must prove when you file a claim against another driver or their insurer. If you’d like to know what you have to prove, stay tuned and I’ll give you the info.
Car accidents happen every day all over CT and one this is for certain – someone is at fault.
You have to prove the other driver caused the accident, that’s the bottom line.
One thing you know is that you have an injury and it’s not your fault.
Now the more serious your injury the more you need to provide that proof to the insurance company.
Things can get very tense and aggressive to the point of becoming nasty not only with your own insurance company but with the other drivers insurer.
My own personal experiences with car accidents illustrates this point.
In 1997, I was a passenger in a car sitting in the front seat while waiting for the red light to change. I was talking to the driver with my head turned left. All of the sudden we were hit hard from behind. I was a lot younger then and spent the next 3 weeks in a lot of pain not knowing what to do, waking up at night with tingly numb sharp pains in my neck and shoulders.
My sister referred me to a lawyer she knew and he sent me to a chiropractor who focused on sports medicine. I went to him and a few months later I felt great so I stopped going.Then within the next month I started feeling the pain again worse than before, so despite that it was time consuming I went back and I finished the therapy.
This person made me feel like me again and had I not had a lawyer guiding me I probably whould have had a very different result. At one point in my case I had a conversation with my lawyer who said the insurance companies were giving him the run around because while I was not at fault for anything I was a passenger.So each insurance company thought the other should pay for me.
My Lawyer knew what to do because he knew he could at least prove the driver of the other vehicle was to blame. He knew we were sitting at a red light and the other driver was negligent when he hit us from behind, and that is what you have to prove that the other person caused your injury.
So why am I sharing this information with you?
I’m doing so you’ll have some guidance on steps you’ll need to take to help yourself feel like you again.
I’m sure you have some questions you’d like answered about your situation and if that is true contact me. I can answer your legal questions it’s what I do every day and I welcome your call.
There are two main formulas for damages:
1.) Economic: Medical care and medical expenses due to the injury
- loss of earnings
- loss of future earnings if injury is permanent.
2. Non-economic: This is a little more tricky to figure out
- pain and suffering
- loss of enjoyment of certain relationships
- emotional distress
Negotiating A Settlement
- Medical bills
- proof of surgery
- proof of lost wages
- any other documents requested by ins. co relating to accident.
2.) Time it takes
- no set time
- should not start until all injuries are fully healed
- negotiations go back and forth until both sides can agree on appropriate amount.
If not, you must decide whether you’re willing to have a trial.
After Your Accident, Do you know what to do?
Hopefully you’re at home resting and taking a few days to recover. Any trauma to the body puts a human being in a state of altered emotions and overall discomfort. Let yourself rest. After your case, you can start to figure out a plan not just for holding wrongdoers accountable but know what to do next.
How do insurance companies calculate pain and suffering?
They define pain and suffering by any physical pain and emotional trauma following an accident where an injury occurred. Such as:
- loss of enjoyment
Start with the dollar amount of damages on your physical injury. Use the multiplier method to multiply that number by as little as 1 and as high as 5.