If you’ve been injured in an accident and the other driver was at fault, the at-fault driver’s insurance company will do everything it can to give you as little money as possible. Unfortunately, that’s just the way insurance companies work.

Here are some common reasons why insurance companies could try to deny your claims:

• The insurance company places you at fault for the accident – Even if you know you weren’t at fault, if there is no citation from police, then proving liability is made more difficult. If it’s your word against the other driver, then the insurance company will most likely deny your claim and maintain that you were the one to blame for the crash.
• The accident was not serious enough for bodily injury – Often, an insurance company will deny a claim because the insurance company alleges that the impact and the speed factors in the crash were too low for you to claim that you were hurt. In other words, they think you are exaggerating or lying about the extent of your injuries, particularly if your injury is a sprained neck or whiplash. When this happens, a special team of investigators is called in to try to find evidence that proves you have been dishonest so the insurance company can deny your claim. That’s why it’s so important for you to keep impeccable medical records and transcripts of conversations with doctors.
• The person who caused the crash was not a permitted driver on the insurance policy – Most insurance companies make drivers list on their policies the names of people who are authorized to drive the car. If someone who is not on the approved list of drivers causes a crash while driving, then the insurance company can try to deny the claim because the driver — even though he or she caused the accident — was not covered under the insurance policy.
• The person injured waited to seek medical treatment – It’s always a good idea to see a doctor after a car accident, and it’s best if you do it as soon as possible if you sustained an injury in the accident – no matter how minor it may seem at the time. If you wait months to see a doctor, the insurance company will try to attack your credibility and deny your claim based on the fact that you waited too long. In other words, the insurance company will, again, accuse you of lying.

There are many other reasons why insurance companies will deny your personal injury claims, which is why it is important to hire an experienced personal injury attorney like Robert Armstrong to stop the insurance companies from wrongfully denying your claim.

If you or someone you love has been injured in an accident, contact Robert Armstrong’s office today.

If you’ve ever been in a serious automobile or motorcycle accident, it’s normal to feel off-kilter and out of sorts right after the crash. But how can you tell if that state of confusion stems from a traumatic brain injury?

You’ll need a doctor to determine that, but there are some signs and symptoms you should be on the lookout for in the days and weeks following your accident.

What are the symptoms of a mild traumatic brain injury?

If you have a feeling of disorientation, headache or confusion after your injury this could be classified as a mild traumatic brain injury, which is the most common type of traumatic brain injury. The Center for Disease Control clearly states that a concussion is a mild traumatic brain injury.

Here are the wide range of symptoms that are associated with mild traumatic brain injury:

• Being unconscious – either for a few seconds or up to a few minutes
• Feeling disoriented, confused and dazed
• Nausea, vomiting
• Headache
• Drowsiness and fatigue, wanting or needing to sleep more
• Feeling off-balance or woozy
• Blurred vision
• Strange or foul taste in your mouth
• Feeling sensitive to light and/or sound
• Depression
• Anxiety
• Mood swings
• Memory loss or trouble concentrating

If you experienced any of the above symptoms after an automobile accident, you should seek medical care as soon as possible, within one to two days of the injury.

What are the symptoms of moderate or severe traumatic brain injury?

To be classified a moderate or severe traumatic brain injury, you could have experienced any of the symptoms associated with a mild brain injury, in addition to the following troublesome signs:

• Being unconscious for several minutes or several hours

• Headache that won’t go away or gets worse over time
• Excessive vomiting
• Seizures or convulsions
• Dilated eye pupils
• Loss of feeling or numbness in your fingers and toes
• Unable to wake up from sleeping
• Drainage in the ears or nose
• Extreme confusion
• Slurred words
• Feelings of anger and aggravation

Keep in mind that the “mild,” “moderate,” and “severe” descriptions of brain injuries are there to portray the level of impact the injury will have on your brain’s ability to function. Even if it’s considered a mild traumatic brain injury, your ability to function as you once did may be compromised and you should still seek prompt medical care.

If left unchecked, the temporary symptoms listed above could worsen or become permanent. People older than 65 are at an increased risk of brain injury after an accident, as are patients who are on blood-thinning medications.

If you or someone you love has suffered a brain injury from an automobile or motorcycle accident, contact experienced personal injury attorney Robert Armstrong today.

If you’ve ever been in an accident, you might have had to read your accident report that follows. It can seem like a daunting document, especially if you’re not versed in the lingo of traffic reports.

You might have some questions about accident reports, and hopefully, we have some answers for you right here.

First, you must understand that the report really contains two documents. It is all contained in the NC DMV-349. It contains a code form which explains all of the numbers in each little box along with another form listing parties, description of wreck and diagram of the occurrence.

Who is at-fault? Is anyone at-fault?

In most cases, you’ll see on the accident report a listing of which driver was at fault, even if no one received a citation. Sometimes, though rarely, the officer cannot determine who caused the accident, so he or she will place the blame on both drivers – or none of the drivers.

If an officer does not determine fault, it can be bad news for both drivers. If you only have liability coverage on your vehicle, then your insurance company won’t cover the costs of the property damage.

Contributing factors

This part of the accident report will list which factors caused the crash. It can either be listed in the form of a number or a written explanation:

• In many instances, if you have a “0”or nothing in the box that lists the contributing factors, then you didn’t do anything that caused the accident.
• If there’s anything other than a “0” or nothing at all, then you likely played some part, if not all parts, in causing the crash.
• Contributing factors help to determine liability if citations aren’t issued at the scene.

Where are citations found in the report?

The citations section of the accident report will list and describe any tickets — or citations — that were given in connection with the crash. This can be done with a citation code or a written explanation – or sometimes both. If you were given a citation but don’t believe you were at fault, you can fight the ticket in traffic court or consult with an experienced attorney to handle your case.

Is your name listed on the accident report?

The drivers of the vehicles involved in the crash will be listed high up on the accident report, but if you are a passenger, your name might not show up until much later in the report – or sometimes not at all.

This is one of many reasons why it’s so important to get a copy of the accident report as soon as it is available. Make sure all passengers in the vehicle are listed on the accident report. If anything on the report is incorrect, or if there are names missing, you’ll need to talk with the police department to try to get your accident report amended.

Accident reports are critical documents that insurance companies and personal injury attorneys use to build their cases. If you or someone you love has been involved in an accident, contact the law office of Robert Armstrong today.

Whether you’re the driver or the passenger, at-fault or not-at-fault, car accidents are never fun. There is good news, however, for the passengers in a vehicle that has crashed.

If you’ve been injured in a car accident as a passenger, your case is typically less complicated than a driver or other personal injury case. Why, you ask? Because as a passenger, you don’t bear any responsibility for how the wreck occurred. That’s for the drivers and their lawyers and insurance companies to figure out.

Often, as an injured passenger, you have more rights than the injured driver.

How do you file a passenger injury claim?

First things first. If you were injured in a car accident as a passenger, you need to make sure you get insurance information for all the drivers involved before you leave the scene, if possible.

Second, you need to document everything that happened, from the moments leading up to the crash to the aftermath of the accident. Take pictures and detailed notes.

Then, you need to hire an experienced personal injury attorney to handle your case.

It’s important to remember the following if you’re a passenger:

• It’s possible that you will be able to recover the full amount of damages, even in a comparative negligence state that determines damage awards based on a percentage of fault with all parties involved.
• You will likely be able to potentially file claims against the insurance policies of all drivers, thus havins two liability policies come in to cover the event.

What if the insurance policies don’t cover all of your expenses?

In some cases, your injuries might exceed the coverage of the insurance companies you’re filing claims against. This happens when people keep the minimum insurance requirements, or sometimes it can happen when there are multiple people who are injured in a crash. When either of these things happen, you have the following options:

• You can try to tap into uninsured/underinsured motorist policies for the host driver involved.
• You can file a claim against your own insurance policy for the amount that is not covered by the drivers’ insurance policies.

As you can see, accidents involving passengers are very complicated matters, but you have many rights and avenues you can pursue in getting the amount of money you deserve.

If you or someone you love was an injured passenger in a car accident, contact the law office of Robert Armstrong today for help.