Will the Insurance Company Cover Long-term Injuries?

Posted on: 3 November 2016

Long-term injuries, such as a traumatic brain injury, requires extensive care that could last for years. Unfortunately, after suffering a car accident, the insurance company might be pressuring you to reach a settlement with your claim. If you are concerned that your ongoing medical care treatment and other damages will not be covered, here is what you need to know.  

What Can You Do?

Your settlement agreement can include coverage for long-term injuries. It is imperative that the release form signed by you and the insurance company include language that specifically lays out the agreement that was reached for long-term coverage. If not, the insurance company could refuse to pay for future expenses for damages that are related to the car accident in which you were injured.  

Getting the insurance company to agree to cover future injuries can sometimes be challenging. However, it is possible. You and your car accident attorney will need to prove that future injuries could occur in order to get the insurance to agree to cover those damages.  

How Can You Prove the Possibility of Future Injuries?

Your medical records can be instrumental in proving to the insurance company that you might need future compensation for injuries. Ensure that your doctor and other medical care providers have thoroughly documented your injuries and your need for future care.  

In addition to this, talk to your doctor about providing testimony regarding your injuries. In the event that your medical records are not enough to convince the insurance company, your doctor's testimony could be crucial.  

You also need to communicate to the insurance company regarding the pain you are experiencing and how it impacts your day-to-day life. For instance, if you are still unable to work due to the pain experienced, note it.  

What If the Insurance Company Challenges Your Evidence?

There is no guarantee that the insurance company will accept your medical records and doctor's testimony. If that occurs, you and your attorney can file a lawsuit in court to win a settlement that accounts for long-term injuries.  

In court, your car accident attorney can rely on a medical expert to help the jury understand the extent of your injuries, the possibility that your injuries will reoccur, and the treatments that could possibly be involved. The testimony of the expert could help bolster your case and make it more likely that you receive a settlement that includes compensation for future injuries.