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Are Personal Injury Claims Really Worth It?

  • If you have been injured in an accident that was caused by another party, you have the option of filing a personal injury lawsuit to compensate you for medical costs, lost wages, pain and suffering, property damage and more. A personal injury lawsuit is how you enforce your legal rights so you can receive financial compensation for your various losses.


    For most accidents caused by another person that led to substantial injuries, personal injury claims are really worth it. Below are details about why you should consider filing a personal injury claim for your accident injuries if they were caused by another person or a defective product.


    #1 - People and Companies Carry Insurance Policies


    To drive a car legally in the U.S., you must have at least some auto insurance. Of course, not every driver follows the law; it is not uncommon for someone to be injured by a driver who has no insurance or limited insurance. How does auto insurance help you in this case?


    If you carry auto insurance, your policy probably has an uninsured/underinsured motorist rider that provides you with some level of compensation for injuries in such accidents.


    If you are hurt in a car accident and have injuries beyond anything very minor, it is usually worth filing a personal injury claim. You also should file a personal injury claim if you have no injuries and only property damage. Typical auto insurance policies can potentially offer thousands of dollars in compensation for injuries and property damages.


    #2 - Many Other Accident Scenarios Qualify for Insurance Coverage


    It is not just auto accidents and injuries that can qualify you for substantial insurance coverage. Some of the other types of accidents that usually involve insurance policies which can pay out large amounts in damages (if the other party can be proven to be at fault) are:


    • Pedestrian and bicycle accidents: These can involve serious injuries, and a personal injury lawsuit should nearly always be filed if the other party was at fault.
    • Injuries due to dangerous conditions on a property, such as a slip and fall accident. File a personal injury claim against the property owner if it can be shown that the property was unsafe.
    • Dog bites: You can often file a claim against the owner of the dog for your injuries.
    • Injuries from a defective or dangerous consumer product, such as a toy that injures your child.


    #3 - Losses from Your Accident Could Be More Substantial Than You Realize


    The above types of accidents can leave you with serious harm, expenses, and more. Rather than being left to manage your recovery on your own, it is reasonable to expect the negligent party or company to pay for some or all of your recovery:


    • Medical bills for your injuries from a car accident, for example, could run into the thousands of dollars or more.
    • Lost earnings can be for weeks or months if you have a serious personal injury.
    • Pain and suffering can be a major factor after a serious accident.
    • You may suffer scarring and disfigurement, which is an emotional and psychological blow that deserves compensation.
    • There could be damage to the relationship with your partner or spouse, such as the loss of intimacy.


    #4 - Time Limits On Personal Injury Claims


    A personal injury claim is often in order if you suffered an accident or disability due to another party’s actions or inactions. But you have a limited amount of time from the date of the accident in which you may file a personal injury claim. In many states, you have between one and four years to file your claim.


    Remember, if you have anything other than very minor injuries and damages of a few hundred dollars or less, it usually is a good idea to file a personal injury claim. Talk to a licensed Dallas personal injury lawyer for a free consultation; he can quickly let you know whether or not you have a potential case.