Insurance Paid for My Car but Not My Injuries – What Now?
It’s common after a car accident to have your vehicle repaired but still face unpaid medical bills or pain from your injuries. Just because the insurance company paid for your car doesn’t mean they are done with your case. Property damage and personal injury claims are separate, and you still have the right to pursue compensation for your injuries.
Many people mistakenly think that accepting payment for their car limits their personal injury claim—but it does not. Understanding your rights and getting legal guidance is crucial, especially in smaller crashes where injuries may not be immediately obvious.
Why Insurance May Pay for Your Car but Not Injuries
Insurance companies often handle property damage and personal injury separately. Here’s why they may pay for your car but not your injuries:
Property Damage is Easier to Assess
Vehicle repairs are straightforward: the insurer can see the damage, get repair estimates, and issue payment quickly.
This process doesn’t involve medical records or assessing your health.
Injury Claims Are More Complex
Soft tissue injuries, whiplash, back pain, or concussions may not show on initial medical tests.
Insurers may delay or deny injury claims if they believe there’s insufficient evidence.
Small Crashes Can Still Cause Significant Injuries
Even minor collisions can lead to lingering pain, headaches, or other injuries.
The insurance company may try to minimize their payout, thinking “it was a small fender-bender, so injuries can’t be severe.”
Why You Need a Lawyer
If your car is repaired but your injuries aren’t compensated, hiring an attorney is essential. A lawyer can:
Separate the Claims Correctly: Make sure your personal injury claim is independent from the car repairs.
Document Your Injuries: Collect medical records, expert opinions, and diagnostic tests to prove your damages.
Negotiate With the Insurance Company: Ensure the insurer doesn’t try to lowball or deny your injury claim because the vehicle is already paid.
Protect Your Rights: Prevent signing releases that inadvertently waive your right to injury compensation.
Example:
John was in a minor rear-end collision. The insurance company quickly repaired his car but refused to cover his back pain and ongoing therapy. His attorney helped document his injuries and negotiated a fair settlement for medical bills, lost wages, and pain and suffering.
Next Steps if Insurance Paid for Your Car but Not Your Injuries
Do Not Accept Early Offers for Injuries: Insurers may try to close your injury claim with a minimal payment.
Document Everything: Keep medical records, bills, and notes about pain, treatment, or limitations.
Contact a Car Accident Lawyer: An attorney can guide you on timing, negotiations, and potential litigation.
Avoid Signing Releases: Never sign any document that mentions personal injury until your claim is fully resolved.
Conclusion
Even if the insurance company has paid for your car, you still have the right to seek full compensation for your injuries. Small crashes can still cause serious injuries, and insurance companies often try to minimize payouts. Hiring an experienced car accident attorney ensures that your personal injury claim is properly handled, documented, and maximized.
