Though car accidents in Iowa have been on the decline in the last few years, data collected by the Iowa Department of Transportation show that motor vehicle crashes are still a serious problem.
In 2017, there were 330 fatalities and 18,705 people hurt in such collisions.
The lives of these victims and their families are changed forever, with implications that affect them even beyond the physical pain.
If you were hurt or lost a loved one in an auto crash, you may be entitled to compensation for your losses.
One of your first questions will probably be how much you can recover, based upon what other victims in your position received as a settlement amount.
While a car accident attorney can provide more detail on your potential compensation amount, you may find it helpful to review how an auto accident settlement works and the factors that affect it.
Injury Claims in Vehicle Collisions
Iowa motorists are required by law to carry a minimum amount of car insurance to cover losses if they’re involved in an accident. For bodily injury liability, drivers must have at least $20,000 in coverage, however, most drivers choose to have more coverage.
Therefore, the first step in seeking compensation is to file a claim with the responsible driver’s insurer. A claims adjuster is assigned your matter. They review the information and propose a dollar value to resolve your claim.
Through negotiations, you and your personal injury lawyer may be able to reach a fair, reasonable car accident settlement amount with the insurance company. If you cannot come to an agreement, you have the option to file a lawsuit in court.
In the majority of car accident claims, insurance companies and victims usually settle instead of going to court. It’s not possible to calculate the average amount of settlement since the circumstances surrounding auto collisions and victims’ injuries vary widely.
However, you should note the factors that impact your compensation after a car accident.
Who is Responsible for the Crash
Generally, auto accident liability is based upon negligence, which requires you to prove the following:
- The other motorist owed you a duty of care to drive safely;
- That person breached this legal duty;
- The breach caused the accident in which you were hurt; and,
- You sustained losses because of your injuries.
However, car accident claims can be tricky because the fault isn’t always clear-cut. The insurance company may try to pin the blame for the crash on you, which could affect your settlement amount. Iowa follows the rule of comparative negligence, a legal concept that focuses on the conduct of an accident victim.
If your own actions contributed to the collision, your compensation is reduced by the amount of fault attributed to you. Where you were 51 percent or more blameworthy, you can recover nothing for your losses.
- Speeding over the posted limit, but struck by a driver who ran a stop sign. Comparative negligence may slightly reduce your compensation amount.
- Turning left, but don’t have turn signal on to let oncoming traffic know of your planned maneuver. Even if the driver was speeding when he or she hits you, comparative negligence may prevent you from recovering compensation.
The Nature and Severity of Your Injuries
Iowa auto accident settlements typically include damages for your injuries. The two types of compensation involved are:
- Economic Damages: These are the amounts that you incur because of medical treatment, including emergency care, surgery, physical therapy, pain medications, and related costs. Proving your economic damages typically requires you to submit receipts or invoices to the insurance company showing what you paid for medical care.
- Non-Economic Damages: Your injuries also affect aspects of your life besides your direct, out-of-pocket expenses. You may not have a receipt to show the consequences, but you more certainly endure hardship. Your auto accident settlement may include such son-economic damages as:
- Pain and suffering;
- Emotional distress;
- Scarring and disfigurement;
- Diminished quality of life and enjoyment;
- Losses based upon how your injuries affect your relationships with loved ones; and,
- Many others.
There can be challenges in proving non-economic damages when you don’t have definite amounts. If your case was going to court, you would typically prove these losses through your medical records and testimony of medical experts.
In a car accident settlement, insurance companies usually use a multiplier to assess your non-economic damages. The formula usually involves adding your economic damages and then multiplying that amount by a factor of 1.5 to 5. The exact multiplier depends upon the severity of your injuries.
How Your Injuries Affect Your Job
In a serious auto accident, you could be out of work for some time to recover from your injuries. Your settlement amount will usually cover the wages you lose during the time away from your job.
However, your settlement might include future wages. If your injuries result in permanent disability, you may not ever be able to work in your chosen occupation.
This is often the case for car accident victims who previously worked in construction, warehousing, shipping, transportation, and other industries where the job requires a certain level of physical fitness.
As a result, you lose the income you
would have otherwise made. You may even need to retrain, go back to school, or
learn new skills to earn a living. Under the circumstances, your car accident
settlement may also include future lost wages.
Contact an Iowa Car Accident Lawyer to Learn More About Settlement
Every case is different and, as a victim, you experience losses that are unique to your situation.
To learn more about how auto collision claims work, please contact VanDerGinst Law, PC to set up a free consultation.
Our attorneys can explain your rights and what to expect during settlement negotiations with an insurance company.
Our knowledgeable and experienced attorneys will help guide you through the complexities of your case.
The consultation is free and there is never a fee unless we win.
Call VanDerGinst Law at 800-797-5391. We’ll make it easier for you.
Full Episode Transcript
Hi there. Welcome to Legal Squeaks. I’m your host, Dennis VanDerGinst. And before we start discussing today’s topic, I’d like to ask you to please make sure you register or subscribe to Legal Squeaks on your favorite podcast platform.
It’s easy to do and it’s absolutely free. By doing so, you’ll be notified every time a new episode becomes available. And it also helps us track how successful we are with our content. You’ll also be able to view this podcast and all of our episodes at legalsqueaks.com.
So today’s topic is an important one. It’s what to do if you’re involved in a car accident. More than 10 million car and light truck crashes occur in the United States each year.
And even though there are fewer cars on the road since the Covid pandemic, in fact, 16 percent fewer, according to some sources, it’s ironic, but fewer drivers has actually led to more speeding to the tune of 27% increase and also hard braking incidents, up 25% as well as phone usage while driving, which is up 38%.
So the volume of car accidents hasn’t decreased, even though there are fewer cars on the road. The chances are that you or a close friend or family member has either been in a car accident at some point or will be in the future, even if it’s just a fender bender.
And when accidents like that happen, it’s easy to get anxious and stress. Adrenaline can prompt you to do things and say things that you should avoid. So it’s good to know in advance what you should do if you’re ever in that situation. So that’s what we’re going to talk about today.
The first thing is, as I mentioned, the adrenaline can get you pumped up. You want to try to remain calm. You won’t be able to make the important steps necessary in addressing the issues unless you are as calm as possible under the circumstances.
Always be sure to stop, first of all, when you’re in accident, don’t drive away from the scene of an accident, even if it’s a minor accident, because first of all, you may be overlooking opportunities to pursue compensation if you’ve sustained property damage or injury. And secondly, you could be facing criminal penalties, especially if you’re partially to blame in causing the accident. So always make sure you stop.
Once you’re stopped, first thing to do is check for injuries. Check yourself, check any of the passengers in your vehicle to see if there are any visible injuries and then call 911 one or ask someone else to do so if it appears that anyone is hurt, either in your vehicle or another vehicle that’s been involved in the accident. If you’re seriously injured, try not to move until help arrives to attend to your injuries.
Next, you want to determine what to do with your your vehicle. Now, that, of course, presupposes that your injuries allow you to assess that situation. If so, then you can determine whether your vehicle should be moved. Ideally, vehicles should be left safely where they came to rest so that if necessary, they’re in the same position they came to rest for purposes of accident reconstruction in order to determine where liability issues might exist.
So in other words, let the cars remain where they are, if they can be left there safely, so that a determination can be made with respect to who was at fault. But make sure that you’re in a safe location, even if you leave the vehicle where it came to rest. If the vehicles pose a hazard to you or to other people, then of course they should be moved to ensure safety.
In that case, you’ll want to pull them to the shoulder of the road or otherwise out of the way of approaching vehicles. If you can, you’re going to want to also make sure that you turned the hazard lights on. You can prevent further accidents by sending up flares if you have them, especially if it’s dark out. And if your lights aren’t working. You should prepare for things like this by making sure you also have a flashlight in your car at all times so that if you do have to be on the side of the road and it’s dark, you can at least have the light, the flashlight on to make sure oncoming vehicles can see that you’re there so that they can avoid causing further harm.
Next, make sure you keep a cool head, even if you know that the other person is clearly at fault, try not to yell and become angry. If the other person does so, avoid a confrontation or an argument. Don’t assign fault and important, importantly, also, don’t admit guilt to the other persons who are at the scene.
Next, you’re going to want to document the accident. Now, what I mean by that is if your injuries allow you to do so and you have a phone with a camera or video on it or otherwise have a camera or video recorder available, take photos and or videos of the scene.
What you want to depict are the roadway itself and the nearby traffic controls. You want to show the position of the vehicles where they came to rest after the accident. And if they were moved, you want to also show where they were eventually moved. You want to show the damage to the exterior and the interior of the vehicles that were involved. You want to show debris like broken glass. If if there, if there are such, if there is such evidence of debris. You’re also going to want to show skid marks. You want to show the vehicle license plates.
In addition, you want to gather information from witnesses to the accident. The contact information, their names, what they might recall as far as the scene of the accident. Take note of any potential traffic cameras or security cameras in the in the area because they might have actually picked up footage of the accident. One thing you might want to be aware of also is that if there are ATMs, automatic teller machines, nearby don’t rule out the possibility that the cameras in those machines may have actually picked up footage of the accident.
You also want to note the weather and the road conditions. If, if you can’t take pictures, you’ll want to make a diagram while everything is still fresh in your mind or record it on on your your phone with audio, if possible.
Next, call the police. If nobody else has done so, it’s a good idea to call the police, even if it doesn’t appear that there are any serious injuries. You may need to make a police report in order to file a claim with your insurance company, even if it’s just a claim for damage to your vehicle.
The vehicles that are involved in the accident, as I mentioned before, should remain where they are unless they interfere with traffic. That way, when the police arrive, they can make a determination as to how the accident occurred and perhaps assess liability by issuing tickets or traffic citations.
When the police arrive, make sure you tell the officer or the officers exactly what happened. If you don’t know certain facts, tell that to the officer. Don’t speculate, don’t guess. Don’t misstate any of the facts.
If you’re asked if you are injured and you’re not sure, tell them that you’re not sure rather than saying, no, you’re not, not injured. Because often the pain and injuries from the accident don’t become apparent for hours, sometimes even days. So don’t say no or that might be held against you later on when you find out that you’re actually hurting from the accident. You should also make sure that the statements that are made by other persons who were either involved or witnessed the accident are accurate as well.
Be sure to write down the name, the badge number and the agency of the law enforcement officer who responds to your crash and prepares the traffic crash report. Also, make sure you get the report number. You should be able to contact that law enforcement agency within a day or two after the crash and request a copy of the report. In many instances, you’re just going to leave that up to an attorney, assuming that you do hire an attorney to help you, and I’m going to tell you why you should do that in just a moment.
In some states such as Illinois, you also have a legal duty to file a written report with the state’s Department of Transportation. Now, if you’re in a car wreck, when you’re in a different state, it’s best to always call 911 one to make sure that you are compliant with the state laws and to properly document what happened. If the police can’t come to the scene of your accident or if they have to leave before they take a report or they don’t show up because nobody seems to be hurt or the involved vehicles are not blocking traffic, et cetera, don’t panic.
Just make sure you go to the nearest police station and file a report as soon as possible after the accident. Most states allow up to seventy two hours to make a police report, but the laws vary by state. So get there as soon as possible if the police cannot arrive at the scene.
Next, exchange information with the other driver. Now, typically, an investigating officer will obtain that information for you or your insurance company may also do that.
But regardless of whether injuries are seemingly involved or if the police is called, you need to exchange certain relevant information with the other driver. State laws differ on what information you’re expected to exchange, but at very minimum, you’re going to want to get the other driver’s name and insurance information. You should ask to see the other drivers insurance card and if possible, look at that person’s license to confirm that the name and address that they give you are accurate. I’m not suggesting that people don’t give that information accurately, but you can assume that it does occur on occasion.
Also, don’t make any side deals with the other drivers to accept or pay cash for the accident instead of filing an insurance claim. Even if the other driver offers a significant amount of money or claims that they have no auto insurance, it generally creates more problems than it solves. So don’t cut those deals. If they tell you they don’t have insurance coverage again, let an attorney address that issue for you later on.
Important: get emergency medical attention if it’s necessary. All of the other things that I’ve mentioned here may not be addressed immediately if you have acute injuries that require immediate medical attention. Your health and well-being comes first.
Along those lines, don’t reject the emergency care at the scene, nor an ambulance ride to an emergency department if it’s offered or suggested by the emergency personnel who arrive there at the scene.
Even if you think you can tough it out or you can drive yourself to the emergency room, you may find that your injuries are more serious than you thought. And your rejection of care at the scene could later be viewed by an insurance company or even a jury, if it goes that far, as one: an indication that you must not have been injured if you didn’t accept that kind of care or two: you failed to mitigate your damages.
And by that, what I mean is everyone is obligated to do what they can to minimize the impact of damages that they sustain as a result of an accident. So if you don’t get the medical attention that a prudent person would ordinarily allow, that could be held against you. So don’t let that happen.
Next, make sure you report the accident to your own insurance carrier. Even if you weren’t at fault, you’re going to want to alert your insurance carrier to the accident. Many policies require that you report as soon as possible and you cooperate with with them. Otherwise they can deny benefits to which you might be entitled.
Now, why would you care if that’s the case if the other party is at fault? Well, I’ll tell you, because often the other parties insurance is going to delay in paying anything. Even if the other party is at fault, a lot of times their insurance is going to drag their feet. Sometimes there are legitimate reasons for their delay. For instance, they need to conduct their own investigation and speak to their own insured. Other times they’re simply being obstructionist in order to force you to accept a nominal settlement. So you can turn in those instances, you can turn to your own insurance to repair or replace your vehicle and get your rental vehicle if it’s necessary.
And if you have MedPay, medical payments coverage, or PIP, personal injury protection, you may rely on that coverage to pay some of your initial medical bills or at least cover any deductible or copay you may have with, if you have other health insurance options. And don’t feel bad for your own insurance company, that’s what you pay for. And they’re going to be reimbursed in most instances when a recovery is made against the other person’s insurance. So be sure you get in touch with your own insurance carrier so that you can take advantage of any coverage that you have.
Also, make sure you follow up and we talked about the emergency attention, but follow up with medical care and treatment. Whether you seek emergency care or not, after the accident, the chances are you’re going to feel the effects of an accident in the hours or days that follow. Don’t delay, seek the appropriate care and treatment. Sometimes that will be emergency care. Sometimes that may require a visit with a family doctor or a chiropractor. And then once you’re seen by an initial treatment provider, there might be a determination made that you need further follow up with other treaters like physical therapists, orthopedist, neurologists, et cetera.
Also, keep in mind that if you lost consciousness or were dazed for even a short period of time following a collision that you may have suffered a concussion or a closed head injury. This can cause cognitive and behavioral changes if it’s not treated properly. So be sure to get that proper follow up.
Next issue to discuss, do not help the other person’s insurance company. You have an obligation to cooperate with your own insurance company, but there’s no such obligation with respect to the other driver’s insurance company.
That company representative may certainly reach out to you and attempt to get a recorded statement. Don’t do that. It may appear to be innocuous. It may appear to be innocent. But even though it may not lead to problems, it certainly can. Their job, bear this in mind, their job is always to minimize that insurance companies obligation to pay compensation to you. And they’re going to frame questions and information in the way best suited to do that.
So similarly, don’t sign anything that they ask you to sign. Don’t sign medical authorizations, don’t sign release forms. They may tell you that they need an authorization in order to review and pay your medical bills. However, they’re often going to use those authorizations to dig into your past medical history in order to argue that your injuries are related to something other than the accident. All information should be provided to that insurance company, via an experienced attorney who is representing you. And we’re going to talk about that again in a moment.
I do want to point out, however, that sometimes the insurance company that represents you is also the insurance company that represents the other party. So in those instances, you do, it’s kind of odd, because you do have an obligation to speak to the adjuster who is assigned on your policy, but you don’t have any obligation, and again, what I just outlined applies when it is the adjuster who is assigned for the other party’s policy, even though there is, it’s the same company, they’re supposed to keep those claims issues separate and apart.
That, again, is why it is important to speak to an attorney and make sure that you are compliant with your obligations under your own coverage, but you are not giving up opportunities to make arguments for compensation under the other person’s coverage.
So, as I mentioned, speak to an attorney. If your injuries warrant the attention of a treatment provider, they likely also warrant the attention of an attorney.
There are so many things that can go wrong when an accident victim tries to go it alone. As an accident victim, you’re not going to know what you’re obligated to provide to insurance carriers, nor are you going to know what you’re entitled to receive in the way of compensation. That creates an environment that allows accident victims to be exploited by greedy and unscrupulous insurance companies. And I’m not saying that all companies are that way, nor am I saying all adjusters are that way.
But the insurance industry hasn’t become a trillion dollar industry by willingly giving everyone the compensation to which they’re entitled. Their job is to try to resolve claims for as little as possible while they accept the premiums from their insureds. So an experienced injury attorney will know how to gather the necessary information, ensure that you get reasonable and necessary medical care or other care and treatment, and make sure that you’re properly compensated for your medical bills, your lost wages, your out of pocket expenses, property damage, pain and suffering and other damages.
To help your attorney get you that proper compensation, be sure that you’re also keeping a journal and or a file of your accident and treatment. Write down your memories of what happened in the accident, while those details are still fresh in your mind. Keep a journal that records your injuries and the way they’ve impacted your normal life activities. It’s also a good idea to keep a file in which you can store copies of medical bills and other receipts, accident reports, work records and correspondence between you and the insurance company representatives. Now, good attorney is also going to gather that from the sources, but it doesn’t hurt for you to start gathering that right away.
Also, make sure that you keep all of your treatment appointments and don’t do anything inconsistent with your care. Insurance companies will be watching. As I mentioned before, you have a duty to mitigate your damages. If you fail to keep your treatment appointments, there’s an argument that can be made that if you had done so, if you had properly treated, your injuries would not have been as, as difficult to deal with, they would have resolved quicker, et cetera. So you need to mitigate those damages by making sure that you are keeping those appointments.
You also don’t want to do anything inconsistent with your care, as I mentioned. So if you have a neck injury, it doesn’t make sense for you to try to go out bowling. And then, of course, somebody may post a photo of you enjoying yourself bowling. That’s obviously very inconsistent with your injuries and the care that your treatment provider may be attempting to provide.
Along those similar lines, do not share your case with other people. While you might be able to discuss what happened with your family, you should be cautious about talking to others about your accident, because conversations with friends or with the general public are not protected by confidentiality privileges. So specifically, never discuss your cra, crash or your injuries or your treatment or your dealings with the insurance company on social media.
So don’t post on Facebook, don’t post on Twister, Twitter or any other social media, because those posts and those comments can be used by the other side, if the case goes to trial, they can be admissible and they can be used against you. So be sure to avoid that.
I hope this information was useful. If you’ve been injured in a car accident, again, it’s extremely important that you get a personal injury attorney on board as soon as possible. I’m not here to solicit cases, but if you have any questions or need help with the car accident, feel free to contact me directly or contact VanDerGinst Law at 800-960-8529 or firstname.lastname@example.org.
As with most, as with most personal injury attorneys, consultations are free and there’s never an attorney fee unless we get you compensation.
Thank you for listening to Legal Squeaks. Again, if you haven’t already done so, please register, subscribe, review and or like Legal Squeaks on your favorite podcast platform. You can check out the video recording of this podcast and other episodes at legalsqueaks.com. Also, please be sure to check out our other podcast, Uncommon Convos.
Look for us next week when we will have some more important legal and consumer information on Legal Squeaks. In the meantime, have a great day. Stay safe. And I love you all.
The information contained on this website is presented by VanDerGinst Law P.C. It is not intended nor should it be construed as professional legal advice. The information is general in nature about the Firm, the scope of services we offer, and our community outreach, it is not legal advice. Please contact us by phone, email, mail, or via this website for inquiries. Contacting us does not create an attorney-client relationship. Please contact a personal injury attorney for a consultation regarding your situation. This website is not intended to solicit clients outside the State of Iowa and/or the State of Illinois.