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Car Accident

What makes an insurance company settle a knee injury car accident claim?

March 15, 2021

knee injury car accidentThe following is what makes an auto insurance company want to settle a knee injury car accident claim.



 You hurt because of someone else’s wrongdoing, and that hurt was immediate, significant, and permanent.    

Assuming you were not at fault and the car accident injured you, then an auto insurance company will want to know how injured are you.  Hurt to an insurance company needs to start immediately after impact to increase your chances of a higher settlement offer.   For instance, you need to go to the ER by ambulance for injuries you claim to be—more likely than not—because of the crash. Upon arrival to the ER, you undergo an exam, go for a CT or MRI, be admitted to the hospital, have surgery, complete multiple rounds of physical rehabilitation before and after surgery.

Your doctor tells you that your injuries are permanent and because of the crash.  

At the time of discharge from the hospital, you still cannot do many of the things you did before the crash. You still need others to help do several daily activities.   Your injuries are permanent.

During an IL Personal Injury discovery deposition involving a knee injury caused by a T-Bone collision, they may ask you:

When did your knee pain begin? (E.g., my pain began after I hit it on the seat in the cab that I was traveling in when it was side-swiped by a Corvette going ninety miles per hour).

Did you seek treatment for your knee pain?  (E.g., yes, I went by ambulance to the ER, made an appointment to see my primary care doctor immediately after the crash, did what my doctors said I should do, went to all of my therapy appointments, took anti-inflammatories, and, ultimately, my doctor referred me to an orthopedic surgeon who diagnosed me with a personal injury and recommended knee surgery. Shortly thereafter, I underwent surgery and more therapy). 

What makes your pain (symptoms) worse?   (E.g., before the crash, I could kneel and pick the tomatoes I planted for my homemade sauce. I could wear heels and dance with my friends and family at weddings and dinner parties. I could bake and cook and cook without supporting my knee).

Are you able to kneel since the accident?  (E.g., since the car accident, it still hurts to kneel in the garden or during mass.  I no longer can wear heels or dance with my husband.  When I cook, I have to use a chair to rest my knee).

If you have been in a car accident, contact a personal injury attorney. Do not delay. 

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