In the chaotic aftermath of a car accident, emotions run high and clarity can be elusive. However, understanding the necessary steps to take in the immediate aftermath is crucial for ensuring safety, protecting your rights, and facilitating the claims process. 

From minor fender benders to more severe collisions, every car accident requires a methodical approach to ensure that all parties involved are safe and that necessary actions are taken to document the incident and initiate the claims process. 

Understanding how to recover compensation after a car accident is essential for securing the necessary support and resources to address medical expenses, vehicle repairs, and other financial losses. By following the steps outlined in this guide, individuals can better navigate the complex aftermath of a car accident with confidence and clarity. 

Understanding the Immediate Aftermath

In the immediate aftermath of a car accident, prioritizing safety is paramount. Ensuring that everyone involved is safe should be the first priority, followed by contacting emergency services such as the police and medical personnel if necessary.

It’s crucial to exchange details with other parties involved, including names, contact information, insurance details, and license plate numbers. This information will be vital for filing insurance claims and facilitating communication between parties.

Additionally, preserving the scene by not moving vehicles unless necessary and taking photographs can provide valuable evidence for insurance claims and legal proceedings. By understanding and adhering to these immediate steps, individuals can lay the groundwork for a smoother resolution process and ensure that their rights and interests are protected in the aftermath of a car accident.

Documenting the Incident

After ensuring safety and contacting emergency services, the next critical step is to document the accident thoroughly. This involves taking photographs of the scene, including the positions of vehicles, any damages sustained, road conditions, and relevant traffic signs or signals. 

It’s essential to write down detailed notes about the incident while the events are fresh in your memory, including the time, date, weather conditions, and any other pertinent details. Obtaining witness statements, if possible, can further corroborate your account of the accident. 

Collecting this evidence promptly can strengthen your insurance claim and provide valuable support in case of legal disputes. 

Seeking Medical Attention

Following a car accident, it’s crucial to prioritize your health by seeking medical attention, even if injuries appear minor or non-existent at first.

Some injuries, such as whiplash or internal trauma, may not manifest symptoms immediately but can worsen over time if left untreated. Therefore, it’s essential to undergo a thorough medical evaluation to identify any underlying injuries and receive appropriate treatment.

This may involve visiting a hospital emergency room, urgent care facility, or scheduling an appointment with your primary care physician. Documenting all medical treatment received, including diagnoses, prescriptions, and follow-up appointments, is vital for both your health and any potential insurance claims or legal proceedings.

Contacting Insurance and Legal Support

After addressing immediate safety concerns and seeking medical attention, it’s essential to contact your insurance provider to report the accident promptly and accurately. This typically involves providing details such as the time, date, and location of the accident, as well as information about the other parties involved and any damages sustained.

It’s important to adhere to any deadlines set by your insurance company for reporting accidents to avoid potential complications with your claim.

In addition to contacting your insurance provider, seeking legal support may be necessary, especially if the accident resulted in significant damages, injuries, or disputes regarding liability. 

Consulting with an attorney who specializes in car accident cases can help you understand your rights, navigate the claims process, and pursue fair compensation for your losses. Legal support can also be invaluable if you encounter challenges or disputes with insurance companies or other parties involved in the accident.

Handling the Claims Process

  • Providing necessary documentation: Once you’ve reported the accident to your insurance company, they will likely require various documents to process your claim effectively. This may include the police report, photographs of the accident scene and damages, medical records related to any injuries sustained, and any other relevant documentation. It’s essential to gather and submit these documents promptly to avoid delays in the claims process.
  • Cooperating with investigations: Insurance adjusters may conduct investigations into the circumstances surrounding the accident to determine liability and evaluate the extent of damages. It’s important to cooperate fully with these investigations, providing accurate information and answering any questions truthfully. This may involve providing additional statements, participating in recorded interviews, or allowing the insurance company to inspect your vehicle.
  • Negotiating a settlement: Once the insurance company has completed its investigation and assessed the damages, they will typically make a settlement offer to resolve the claim. It’s important to carefully review any settlement offers and consider whether they adequately compensate you for your losses. If the initial offer is insufficient, you have the right to negotiate for a higher settlement amount. This may involve providing additional evidence or documentation to support your claim or enlisting the help of a legal professional to advocate on your behalf.
  • Appealing a denied claim: In some cases, insurance companies may deny a claim for various reasons, such as disputed liability or insufficient evidence. If your claim is denied, you have the right to appeal the decision. This may involve providing additional evidence or documentation to support your claim, filing a formal appeal with the insurance company, or seeking legal assistance to challenge the denial.


In the aftermath of a car accident, navigating the complex process of seeking compensation can be overwhelming. However, by following the steps outlined in this guide, individuals can ensure that their rights are protected and that they receive fair compensation for their losses.

From prioritizing safety and documenting the incident to seeking medical attention, contacting insurance providers, and considering legal support, each step plays a crucial role in the resolution process. By understanding the importance of thoroughness and diligence in each stage, individuals can maximize their chances of a favorable outcome.

Keeping track of expenses, understanding statute of limitations, and seeking emotional support are vital considerations that can help individuals cope with the aftermath of a car accident more effectively. Ultimately, by taking these steps and seeking appropriate assistance and support, individuals can move forward with confidence and begin the process of recovery and healing.

The unthinkable has happened—you’re involved in a car accident. Now you’re facing mounting expenses. You may have medical and vehicle repair costs. Even if your expenses are limited to property damage, the bills can be daunting.

Thankfully, you should be able to file a compensation claim. However, not everyone is eligible for damages, so how do you know if this applies to you? Damage eligibility after a car accident can vary, so to help guide you, here’s what you need to know.

Time Limits Affect Eligibility

You may be surprised to learn that not everyone jumps right onto filing an insurance claim after an accident, and the reasons for the delay can vary. You may need some time to calculate all of your damages.

Determining the value of your personal injury case is rarely easy, especially if non-economic damages come into If you’re not familiar with non-economic damages, these are considerations that don’t have an intrinsic value. Pain, suffering, and mental anguish are a few examples of non-economic damages. After all, how do you place a price tag on your mental anguish?

Regardless of why you may be putting off filing an insurance claim, you don’t want to wait too long. Kentucky only gives you two years, from the date of the accident, to start the claims process. If you miss the two-year statute of limitations, you may not be eligible to file a claim for damages.

There are a few exceptions to the statute of limitations, but don’t count on them to apply in your accident case. For instance, minors can extend the filing deadline to their 18th birthday. If your injuries are severe enough to prevent you from participating in your case, the deadline may be extended.

A good tip to remember is to start the claims process as soon as possible unless you’re a minor at the time of the accident.

Dealing with No-Fault Insurance Regulations

If you’re carrying no-fault insurance, you may believe eligibility issues aren’t going to affect your car accident case. However, take a deep breath since this isn’t always true. Your no-fault insurance policy should cover at least up to $10,000 in property damage. This is also the minimum amount of insurance allowed under Kentucky state law.

So, what is no-fault insurance? This type of insurance covers your vehicle damage regardless of who’s to blame for the accident. Drivers often opt for no-fault insurance to simplify the claims process in the event of a car accident.

Basically, you file a claim for damages with your insurance carrier and let them worry about recouping their losses from the at-fault driver’s insurance company. You typically receive a settlement offer faster working with your insurance company.

You can also opt-in for personal injury protection insurance (PIP); this type of insurance is typically combined with your auto policy. The state minimum requirement is $10,000 per accident victim. Yes, $10,000 is rarely enough to put a dent in your medical expenses, especially if you’re dealing with catastrophic injuries.

So, what’s your next step in recovering damages? This is when eligibility becomes a key factor. You must meet at least one of the following criteria to file a claim against the other driver:

  • The car accident led to at least $1,000 in medical treatment costs
  • The driver suffered permanent disfigurement
  • Fractured a major bone
  • Suffered any other severely broken bones
  • Dealing with a permanent injury
  • Experienced the permanent loss of one or more body functions.

Since PIP insurance rarely covers all of the expenses relating to significant injuries, it’s best to consult with an accident attorney as soon as possible. Remember that the clock starts ticking on the statute of limitations the moment the accident occurs.

What if You Opt Out of No-Fault Insurance

You can opt out of no-fault insurance. However, this doesn’t mean you can legally operate a motor vehicle without auto insurance. Instead, you can go with standard coverage. For example, you may have a liability policy.

You can also carry full coverage. If you have a liability policy, you’re not eligible to file for compensation with your insurance provider. A liability policy only covers damages sustained by the other driver.

A full coverage policy will cover your damages, but it often takes longer to settle a claim compared to no-fault insurance.

How to Protect Your Eligibility to File an Accident Claim

Regardless of the type of auto insurance you’re carrying, the steps to help ensure your eligibility to file for damages remain the same.

Report the Accident

Kentucky requires drivers to immediately report all auto accidents involving injuries and/or property damage exceeding $500. Since it can cost over $500 to knock a dent out of a fender, it’s best to always report a vehicle accident—think of it as being safe instead of sorry. After all, the last thing you need is to get away from the scene of an accident or hit-and-run charge since this will directly affect your eligibility to file an accident claim.

If you’re willing to take the risk that damages are under $500, you have ten days to report the accident to the authorities. You should also expect to wait a week or so before your accident report is ready for pickup. You can request a copy online or stop by your local police department.

Get a Medical Checkup

If you sustain serious injuries, head to the hospital. If your injuries are minor, still make an appointment with a physician. You may have soft tissue or external injuries, and these can take a few days to start showing signs and symptoms.

You don’t want to realize after filing an accident claim that you need ongoing care. Amending a claim is difficult and if you’ve accepted a settlement you’re ineligible to refile for additional damages. In other words, you’re stuck paying the ongoing medical costs.

Protect Your Eligibility with Help From an Accident Attorney

The best way of protecting your eligibility to file a claim after an auto accident is by working with an experienced personal injury attorney, who brings a depth of knowledge in navigating complex legal systems and insurance policies.

Your attorney can provide invaluable guidance in gathering and presenting evidence that strengthens your claim, further safeguarding your right to fair compensation.

Getting into a car accident can come with long-term ramifications that can also become expensive. Some injuries require more than a band-aid, you may be looking at weeks, months, or even years of physical therapy. This is especially true if your car accident results in a brain, back, neck, or spinal cord injury.

Recovering from these types of injuries often takes a lot of time and therapy. So who’s responsible for covering physical therapy costs? If your auto wreck happens in New Mexico, you may not be responsible for covering your medical expenses.

No-Fault Laws and Physical Therapy Costs

If your car accident occurs in New Mexico, the other driver’s insurance may cover most or all of your physical therapy costs. New Mexico is an at-fault state. What does this mean for your physical therapy costs?

In an at-fault state, the driver responsible for the vehicle collision covers all damages associated with the wreck. This means that if your injuries send you to physical therapy, the other driver’s insurance picks up the tab—you shouldn’t need to cover any of your therapy costs.

However, there’s an exception to the state’s at-fault law. New Mexico is one of 12 states that also follows a comparative negligence rule. How does this apply to your accident damages? Comparative negligence rules may mean a reduction in your settlement amount. Blame for the accident is assigned to each driver involved in the crash. The amount of your settlement reflects your percentage of the blame.

For example, if you’re assigned 25% of the blame for the accident, your settlement amount is reduced by the same percentage. If you’re awarded $100,000 and are 25% at fault, your settlement amount is $75,000. This is something important to consider and keep in mind as you’re getting ready to file a personal injury claim that includes your physical therapy costs.

No, you can’t increase the value of your claim to account for the deduction. Don’t forget, you need to provide proof of your damages and this makes it impossible to inflate your claim’s value.

Average Costs of Physical Therapy

There isn’t a set amount for physical therapy, and even if your injury is the same as someone else’s, your therapy protocols can be different. Based on national averages, physical therapy sessions can run anywhere from $30 to more than $400 per visit.

Even though most insurance policies cover physical therapy expenses, there’s still the matter of the deductible. Your deductible can be around $20 or creeping closer to $100. When you add this cost up, your physical therapy sessions can still be expensive. If your physical therapy also includes the temporary use of walking aides like crutches or even a wheelchair, you can expect costs to continue to climb.

Oh, and don’t forget about the amount of time you spend in physical therapy, which also adds to the overall costs you’ll have. Obviously, if you only need a couple of sessions, you’re going to pay less than someone with an extended treatment plan.

How to Receive Compensation for Your Physical Therapy Costs

After being in an auto accident, you’re probably only focusing on your recovery and this is what you should be doing. However, if you’re planning on including physical therapy in your damages, you should take a couple of steps.

Save all Medical Documents

Get ready to be inundated with paperwork after a car accident. Even though it’s tempting to toss some pieces of paper away, hand it onto everything. You never know what you may need to help support your personal injury claim.

Along with your medical records, save everything relating to your physical therapy sessions, which includes the recommendation and referral from your physician. You may also want to save any documents relating to your treatment plan. The insurance adjuster will want to see proof that physical therapy is necessary to ensure a full recovery.

Don’t be surprised if the insurance company requests a second medical opinion—this is normal, so don’t get offended. Go ahead and get a second opinion and forward the paperwork to the insurance adjuster.

Gather Evidence

Yes, your medical records count as evidence but you may need more. Don’t forget about New Mexico’s comparative negligence rule. Even if the insurance company is trying to assign you part of the blame, this doesn’t mean you can’t contest their findings. You may even be able to reduce or eliminate your percentage of the blame.

Get a copy of the accident report. You may be surprised at the amount of information the report contains. The responding officers will investigate the accident and note in the report who is partially or fully responsible for the accident. If your report indicates the other driver is completely at fault, you can argue against any proposed deductions in your settlement offer.

The accident report may even include witness statements and contact information. This can go a long way toward supporting your personal injury claim.

Calculate Your Damages Before Starting Negotiations

If you aren’t sure of the financial extent of your damages, it’s impossible to ensure your settlement offer is fair. Don’t forget, once you accept a settlement offer from the insurance company your case is considered close. No, you can’t refile a compensation claim for the same accident even if your expenses continue to pile up.

So, what should you include in your damages? This will vary on a case-by-case basis. However, some damages commonly included in personal injury cases involving physical therapy expenses often include:

  • Ambulance rides
  • Emergency room visits
  • Surgeries
  • Testing (MRIs, CT scans, etc.)
  • Doctor visits
  • Specialist visits
  • Prescriptions
  • Physical therapy
  • Mental health evaluations
  • Counseling sessions
  • Follow-up appointments

You may also be eligible for non-economic damages that include pain, suffering, and loss of quality of life.

Work with a Personal Injury Attorney

Getting compensation for physical therapy is possible, remember the treatment is covered by most insurance policies. However, negotiations with insurance providers can be tricky.

Working with an experienced personal injury attorney can help ensure you receive fair compensation for your auto accident.