Rear-end crashes can result in very serious injuries, even when collisions occur at slow speeds. Bankrate reports a rear-end crash with cars going just 10 MPH can result in $11,000 worth of property damage to a vehicle. The injury expenditures resulting from damage to the body caused by the force of the impact can be many times greater. Collision victims need to get prompt medical help as soon as they can after the collision in order to make sure they get injuries treated and they get costs covered.
Laws on auto insurance in Illinois require the purchase of bodily injury and property damage liability insurance, as well as the purchase of uninsured or underinsured motorist coverage. These policies ensure a victim who is injured in a car crash caused by someone else will not be left uncompensated by an accident. A driver who gets hurt in a rear-end collision will be able to obtain payment for injury costs and other losses, as long as the motorist can prove the other motorist was to blame. There is a presumption the rear driver is at fault, so proving liability is easy for the driver in the front vehicle. If a driver in the rear wants to try to blame the crash on the front driver, on the other hand, this is a much more difficult case.
Any motorist who wishes to obtain compensation for car crash injuries is not only going to have to prove the other motorist is at fault, but is also going to have to prove the extent of injuries. This is why it is so important to seek medical attention after a rear-end crash in Chicago. You are going to have to be able to show the accident was the direct cause of injuries and you are going to need documentation in the form of medical records proving the extent of the injuries in order to be fully compensated.
Going to the doctor and getting examined immediately after an accident allows you to provide evidence to refute any allegations the insurer makes that you may be exaggerating your injuries or that your injuries were caused by something other than the car crash. If you do not get prompt medical attention and the insurer tries to deny your claim or underpay you, as many insurers do, you will not have the medical records to show your claim is a legitimate one. It will be much more difficult for you to get full and fair compensation under these circumstances.
Auto Insurance Center reports the average payout for a bodily injury liability claim is $15,506, which is more money most people can comfortably pay for car crash losses. You need medical records so you can get an insurer to pay for the costs of a crash so you don't face financial devastation when another motorist rear-ended you.