Car Accident Injury Claim: How They
By: Maryanne Miller|LRL Editor
Car accidents can happen anywhere, anytime. They can be caused by
drunken drivers, faulty brakes or the simple refusal to give way to the other vehicle. When car accidents
occur, one should consider getting a car accident injury claim. This type of insurance claim
can be broken down into more specific sub-categories honored by most insurance companies.
Since car accidents usually result in some form of injury for the victims, medical
expenses are fully accounted for by a car accident injury claim. Medical expenses such as hospital care, doctors'
service fees, and even surgery can be covered by the insurance company. Pain and suffering, as well as mental
anguish caused by the car accident entitle the insurance plan bearer to recover damage fees.
By invoking the car accident injury claim, the insurance plan bearer may also recover loss
of wages, lost of earning capacity, and loss of consortium. Loss of wages pertains to the salary which the
insurance plan bearer would have earned if he or she were not involved in the car accident. The duration and amount
of salary lost is computed from the car accident up to the insurance plan bearer's complete recovery. Loss of
earning capacity, on the other hand, is rewarded if the insurance plan bearer's capacity to earn was diminished by
an injury or disability from the car accident.
For example, if the insurance plan bearer was a typist, and the car accident resulted in a
broken arm or worse, broken fingers, then the insurance company would reward him or her with the salary he or she
would have earned if the car accident had not occurred. Loss of consortium is applicable only to married couples.
The insurance plan bearer may invoke loss of consortium if his or her capacity to express affection, maintain
companionship, or initiate sexual functions were in any way diminished or disabled by the car accident.
The car accident claim allows the insurance plan bearer to bounce back financially after
the crisis caused by a car accident. It must be noted, however, that not every insurance plan bearer can avail of
the benefits of this insurance claim. A jury usually decides whether or not the insurance plan bearer deserves to
be granted damage fees by meticulously going over the sub-categories of the car accident injury
claim. If the insurance plan bearer was the one responsible for the car accident, then his or her chances
to acquire the insurance claim are greatly diminished.
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