February 26, 2019 at 7:06 am

Emotional, Physical, and Financial Impact of Car Accident

The impact of a serious car accident can be felt for years or even decades after the incident. Remember, this is something no motorist or passenger wakes up prepared for and the direct and indirect effects may prove more serious in real life than they are on paper.

Usually depending on the seriousness of the accident, you are likely to experience a concoction of physical, emotional, and financial distress for a considerable period of time after the crash. This article gives you an insight into what victims go through and what to do if you crashed your car today.

Physical injuries

The prospect of losing a limb or sustaining permanent scars is arguably what we dread the most about car accidents. While some injuries may affect mobility or prove life-changing in many other ways, most heal over time if victims take the right course of action. Tears or sprains to tendons and ligaments and other soft tissue injuries can take a few days, weeks or even months to heal, usually depending on the health and age of the victim.

Be sure to seek medical attention regardless of severity of injuries. Some injuries may be brushed off as minor only to cause you trouble in the future. Furthermore, insurance companies need medical records when calculating compensation amount.

Emotional and psychological injuries

Emotional injuries can impact the victim’s life in ways that may not be easily noticeable. This is with or without a serious physical injury. Examples of emotional injuries include:

  • Fear
  • Depression
  • Insomnia
  • Loss of appetite
  • Anxiety

Psychological injuries include:

  • Posttraumatic stress disorder (PTSD)
  • Pathophysiological effects in the central nervous system and brain
  • Stress-induced pain

Emotional and psychological injuries can cause disabilities that may affect work performance, leisure activities, and home life. Albeit these injuries may not be explicitly visible, their impact on one’s life can be significant.

Financial impact

Injuries require medical attention, which is a cost that must be covered. Some injuries may lead to weeks or months of downtime, which may result in inability to work and consequent loss of income. All these must be covered for by your insurance company or that of the at-fault driver. Missouri currently has no caps on damages in personal injury cases, which means the extent of your injury will solely determine how much you will get from the insurance company.

Usually, current and projected future medical costs, short and long term loss of income, and maintenance costs will be used to calculate compensation for economic damages. As for non-economic damages, i.e. psychological and emotional injuries, which do not lead to actual loss of money, compensation is on basis of the insurance company’s or court’s assessment of the situation.

Victims of car accidents should consider working with a seasoned lawyer to help gather important information and establish the true economic and non-economic impact of the injury before accepting a settlement offer. You may find an attorney even more necessary if you are forced to take the case to court.

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