The idea that the seriousness of a personal injury relates to the amount of external vehicle damage in all types of crashes is something that few of us think about but has become a topic of interest in some recent court cases.
Insurance companies have argued that the risk of personal injury is linked to the vehicle’s external damage. For example, an insurance claims handler might reject a person’s personal injury claim on the basis that there was a low speed impact and the material damage to the car is small.
However the reality is that in low speed rear-end crashes there are a number of injury-producing variables.
When comparing injury and causation it is important for any doctor reviewing the injured party to remember that there is no “typical human” in a crash environment.
There are several factors why a human can be different for example;
- Different weight
- Different height
- Seating locations of vehicle occupants etc.
In these types of low impact cases, it is important to get the repair estimate, photos of the vehicle damage (to both vehicles), an assessors report and a garda abstract report as soon as possible.
These are important from an evidential standpoint in minimum impact road traffic accidents.
An engineer with a particular expertise in dealing with these types of cases can give helpful information of the effects of what is sometimes thought to be “minor” accidents.
As with any accident, you should report the matter to your insurer as soon as possible. To make a personal injury claim, there must be an actual injury sustained in order to claim compensation, so the most important thing following an accident is to obtain medical attention, and adhere to all treatments recommended by your medical practitioner.