For individuals with pre-existing health conditions In San Diego, if they are a victim of a car accident, claiming the insurance amount is a difficult task. Insurance companies often deny or reduce compensation by arguing that the injuries were unrelated to the accident. This can be tricky, and victims find it hard to deal with such loopholes.
A car accident attorney can be of help in such difficult situations. These professionals distinguish between new accident-related injuries and old health issues and help to get fair compensation. Here is how the lawyers handle these cases.
By negotiating the legal difficulties, obtaining proof, and demonstrating how the collision exacerbated your condition, a car accident lawyer can assist you with injury claims involving pre-existing conditions. Even if your damage was caused by an accident that exacerbated a pre-existing condition, a skilled attorney can help prove your case under legal doctrines like the thin skull theory and guarantee you get just compensation.
People hurt in collisions frequently worry that if they have pre-existing ailments, their insurers would not cover their claims. Regardless of your pre-existing condition or the insurer’s strategies, a competent attorney can assist you in pursuing the money you require, even if some insurance adjusters use pre-existing conditions as justification for rejecting or downplaying claims.
Insurance adjusters will attempt to keep accident victims from receiving the compensation they are due, but a lawyer will know how to combat these strategies. You may safeguard your rights and avoid the headache of dealing with an insurance adjuster who is reluctant to treat you properly by hiring a HHJ auto accident lawyer with experience in these types of cases and a thorough understanding of personal injury law.
- Understanding the “eggshell plaintiff” rule
The “Eggshell Plaintiff” rule is a major legal principle. This means that the person responsible for the accident/crash must take the victim “as they are”. If a person has a chronic health condition like a vulnerable back, etc., before the accident, the driver will still be responsible for the harm they caused. For instance, mild arthritis might aggravate after the accident, or an old back injury might flare up again.
A good attorney will frame the claim along these lines so that insurers cannot ignore the injuries.
- The insurance company’s playbook- what happens?
Insurers often employ a single strategy: blaming the victim’s past health. They might say things like the pain was already there before the crash, the injury is age-inflicted. They may also say the accident did not impact the medical situation, etc.
Attorneys know that the accident made things worse and step in to make claims for maximum compensation.
- Gathering proper medical records with expert testimony
Search online for car accident attorneys near me who will build a clear timeline of the victim’s health. They will collect past medical records and compare them to fresh medical reports after the accident. They will ask doctors if the accident worsened the pre-existing condition.
Attorneys rely on medical experts to understand the difference between new and old injuries. The experts testify that the accident aggravated the pre-existing symptoms and that they need treatment. With this input, it becomes difficult for insurers to dismiss the claims.
The attorneys can also focus on how the accident affected your daily life. For example, the old injury barely affected you, and you could work full-time. Post-accident, you can’t stand for long and are in constant pain. The variations can be subtle or deep-rooted.
Car accident lawyers bring in all kinds of evidence when negotiations with insurers begin. This is necessary to make a fair compensation claim. They will present medical comparisons, and focus on the Eggshell Plaintiff Rule. They will also use expert testimony to prove causation. If settlement talks fail, the case moves to court. There, the jury decides if the accident worsened the pre-existing health conditions or not.
Any illness, injury, or medical condition that a person had before to the collision in question is referred to as a pre-existing condition. The following are some typical pre-existing conditions and injuries that victims of auto accidents may have:
chronic illnesses include diabetes, asthma, hypertension, and arthritis, among others.
- Past bone breaks and fractures
Past back traumas and illnesses such as spondylolisthesis, herniated discs, or degenerative disc disease - Chronic headaches and migraines
psychological disorders such as post-traumatic stress disorder (PTSD), depression, or anxiety
Arthritis and joint injuries
It is important to keep in mind that these circumstances do not bar you from pursuing damages for further or worsened injuries.
You can be eligible to get compensation for a pre-existing injury following an automobile accident if:
Your problems were made worse by the vehicle accident, which led to increased discomfort, limitations, or disruptions in your life. As a result, you needed more treatment than you had previously needed.
You developed previously unheard-of illnesses or injuries as a result of the event.
Both the new and old accident-related injuries can be distinguished by medical records, medical professionals, and other expert witnesses.
You can present proof of how your pre-existing ailment was impacted by the accident.
The degree of the new injury or aggravation in relation to the pre-existing condition before the accident determines how much compensation is awarded. You might qualify for reimbursement for losses like:
Medical costs
lost wages as a result of missing work
diminished earning potential as a result of a handicap or disfigurement
Suffering on both a physical and mental level
loss of life satisfaction
The amount of money you can realistically anticipate receiving in your case can be ascertained with the assistance of an accomplished Illinois auto accident lawyer.
Developing Your Claim
Even in cases that are relatively simple, constructing a car crash injury claim can be difficult. However, establishing a successful claim for an injury sustained in a car accident can be more difficult when a pre-existing condition is involved because of the frustrating strategies used by many insurance adjusters. Nevertheless, it is always worthwhile to keep your patience and resolve up because, if you take the required actions, you can get a sizable payout.
The way that insurance companies evaluate injury claims can be greatly impacted by pre-existing conditions. When a claimant has a medical history, insurers are inevitably dubious. In order to make the case that your injuries were not only brought on by your vehicle accident, they frequently examine your medical records. Reduced settlement offers or even the complete rejection of claims may result from this.
However, you are still eligible for compensation even if you have a pre-existing ailment. Injuries that were exacerbated or made worse by your auto accident are still covered by insurance providers. The important thing is to prove that the car accident had a direct effect on your health and exacerbated a pre-existing disease.
Clear and comprehensive medical records from both before and after the event, together with professional medical opinions, are frequently provided as part of this process.
Your eligibility for compensation following an automobile accident in Pennsylvania may be impacted by pre-existing conditions. You might be eligible for compensation for the worsening of your health if it is evident that your vehicle accident made it worse, but insurance companies frequently object to this.
When determining how much of your present injury is attributable to your auto accident and how much to your pre-existing condition, insurance companies will review your medical history.
They can provide a smaller compensation if they discover that the majority of your problems predated the collision. However, you might be able to bargain for more money if you can demonstrate that the accident made your condition much worse.
Before a collision, for instance, a person with minor, sporadic back discomfort might not require much medical attention. However, given the higher medical expenses and the effect on their quality of life, the individual may be entitled to a greater payment if they are now in excruciating pain and need surgery as a result of the collision.
Having unambiguous medical documents that distinguish between your present accident-related injuries and your prior injuries is essential. You should, for instance, have medical records that show how the accident impacted your pre-existing condition. Expert testimony from medical professionals who can clarify these distinctions to insurance companies and, if required, in court can also be beneficial.
How a lawyer can assist
They can support your claim that the accident made a pre-existing ailment worse, whether it was temporarily (exacerbation) or permanently (aggravation).
Using legal theories: Even if the victim had a pre-existing condition that made them more vulnerable, an attorney can employ legal theories like the “thin skull hypothesis” to contend that the at-fault party bears full responsibility for the injuries.
proof collection: To bolster your claim, they will compile thorough proof, such as medical records.
Insurance company negotiations: To guarantee you get just compensation, a skilled attorney can bargain with insurance companies on your behalf.
They can act as your legal representative if a just settlement cannot be achieved.
Final words
If you have a pre-existing health condition, handling an accident claim on your own can be tough. A car accident attorney helps in being truly heard and understanding that the accident worsened the existing medical condition. The professional knows the tricks of the trade and helps to fight for the right amount of compensation.