case study on accident insurance

• News and Insights

From Crash to Cash: Car Accident Compensation Case Studies

• July 11, 2024

Why Car Accident Compensation Matters

Car accident compensation case studies provide invaluable insights into how personal injury claims are managed and resolved. Whether you’ve experienced a minor fender bender or a devastating collision, understanding these case studies can help you navigate your legal journey more effectively. Here are some quick takeaways:

• Economic damages: These include medical bills, lost wages, and property damage.
• Non-economic damages: These cover pain and suffering, emotional distress, and loss of consortium.
• Punitive damages: Rare but significant, often applied in cases involving gross negligence.

Now, let’s take a deeper dive.

I’m Chris Lyle, a seasoned attorney specializing in personal injury and workers’ compensation cases. My experience with car accident compensation case studies has equipped me to simplify and expedite the research process, benefiting both attorneys and clients alike.

Understanding Car Accident Compensation

When you’re involved in a car accident in Georgia, the compensation you can claim falls into three main categories: economic damages , non-economic damages , and punitive damages . Understanding these can help you know what to expect and how to proceed with your claim.

Economic Damages

Economic damages are straightforward. They cover financial losses that can be easily quantified through bills and invoices. Here are the main types:

• Medical Expenses: This includes everything from emergency room visits to ongoing physical therapy. For example, a spinal cord injury can result in settlements over $1 million due to extensive medical care required.
• Lost Income: If you’re unable to work due to your injuries, you can claim lost wages. This also includes loss of earning capacity if you’re unable to return to your previous job.
• Property Damage: This covers repair or replacement costs for your vehicle and any other personal property damaged in the accident.

Example: A mild case of whiplash might result in a settlement between $2,500 to $20,000, depending on the extent of medical treatment needed.

Non-Economic Damages

Non-economic damages are more subjective. They compensate for intangible losses that don’t come with a receipt:

• Pain and Suffering: This covers the physical pain and emotional distress experienced due to the accident.
• Emotional Distress: Anxiety, depression, and other emotional impacts can be claimed under this category.
• Loss of Consortium: This refers to the impact on your relationship with your spouse or family.

Example: A traumatic brain injury often results in settlements starting at $100,000 due to the severe impact on the victim’s quality of life.

Punitive Damages

Punitive damages are less common but can be significant. These are awarded when the defendant’s actions are found to be grossly negligent or reckless. The aim is to punish the wrongdoer and deter similar behavior in the future.

• Gross Negligence: Cases involving drunk driving or hit and run often qualify for punitive damages.
• Exemplary Damages: These are another term for punitive damages, emphasizing their role in setting an example.

Example: In Georgia, punitive damages are capped at $275,000, except in cases involving intentional harm or DUI.

Case Study: In one case, a driver lied about their involvement in a hit and run. Witnesses were located through 911 tapes, confirming the victim’s account. The insurance company was then forced to settle, highlighting the importance of evidence in disputed liability cases.

Understanding these types of damages can help you better navigate your claim and ensure you receive the compensation you deserve. Next, we’ll explore real-life car accident compensation case studies to see how these principles apply in practice.

Car Accident Compensation Case Studies

Case study 1: severe whiplash injury.

Whiplash is a common injury in car accidents, often resulting from rear-end collisions. In one notable case, a woman suffered severe whiplash after being struck from behind. Her symptoms included chronic neck pain and headaches, which persisted for months.

Settlement Amount: The insurance company initially offered $5,000. However, after thorough documentation of her medical expenses and long-term symptoms, the case settled for $20,000 .

Recovery Process: The woman underwent physical therapy and pain management treatments. Despite the settlement, she still experiences occasional discomfort, highlighting the lasting impact of severe whiplash injuries.

Case Study 2: Traumatic Brain Injury

Traumatic Brain Injuries (TBI) can have devastating and long-term effects. In a recent case, a man suffered a TBI after a high-speed collision. His injuries required extensive medical treatment, including surgery and rehabilitation.

Compensation: The settlement amount was $1.5 million . This covered his medical bills, lost income, and future care needs.

Long-Term Effects: The man continues to face cognitive and physical challenges. The compensation helps with ongoing medical care and living expenses, but his quality of life remains significantly altered.

Case Study 3: Wrongful Death

In a tragic incident, a 29-year-old woman lost her life in a crash caused by two street racers near Palm Beach Airport. Her family pursued a wrongful death claim.

Family Compensation: After the police located and arrested the drivers, the family received a settlement of $900,000 .

Legal Proceedings: The case involved extensive legal work, including gathering evidence and working with law enforcement. The settlement provides some financial relief, but the emotional loss remains immeasurable.

Case Study 4: Disputed Liability

Disputed liability can complicate car accident claims. In one case, two drivers collided while switching lanes, each blaming the other.

Evidence Gathering: Without clear evidence, the case relied on witness statements and accident reconstruction experts. The absence of surveillance footage made it even more challenging.

Legal Resolution: After a lengthy legal battle, the court determined that both drivers were equally at fault. They received partial compensation based on their share of the blame.

Case Study 5: Hit and Run

Hit and run accidents add another layer of complexity. In a recent case, a driver fled the scene after causing a fatal crash. The victim’s family faced difficulties in pursuing a claim without identifying the responsible party.

Police Investigation: The police eventually located the driver months later. This allowed the family to file a wrongful death claim.

Wrongful Death Claim: The family received a settlement of $2.1 million . This case underscores the importance of thorough police work and persistence in seeking justice.

These car accident compensation case studies illustrate the diverse scenarios and outcomes in car accident claims. Understanding these real-life examples can help you navigate your own case and seek the compensation you deserve.

Factors Influencing Car Accident Settlements

Severity of injuries.

The severity of your injuries is a major factor in determining your settlement amount.

Minor Injuries: If you have minor injuries, like a small bruise or a tiny cut, the settlement might be lower. For example, the average settlement for non-injury car accidents was around $16,700.

Severe Injuries: On the other hand, severe injuries like a traumatic brain injury or severe whiplash can lead to higher settlements. The average award for injured crash victims was $29,700. Severe injuries often require long-term medical treatment, which increases the compensation.

Insurance Coverage

Insurance coverage plays a crucial role in your settlement.

Available Insurance: If both drivers have sufficient insurance, the process might be smoother.

Policy Limits: Sometimes, the damages exceed the policy limits. If this happens, the insurer will not pay the excess. For instance, if the policy limit is $50,000 but your damages are $75,000, you might need to pursue the at-fault driver for the remaining $25,000.

Underinsured Drivers: If the at-fault driver is underinsured, you might have to rely on your own insurance to cover the gap. This can complicate the claims process.

Fault Determination

Determining fault is often a contentious part of car accident settlements.

Police Reports: Police reports can provide crucial evidence. They often include details about the accident and any citations issued.

Witness Statements: Witnesses can help clarify what happened. Their statements can support your claim.

Evidence: Photos, videos, and other evidence can also help. For example, surveillance footage can show who was at fault.

Legal Disputes: Sometimes, both parties dispute the fault. This can lead to a lengthy legal battle.

Medical Treatment

Your medical treatment impacts your settlement significantly.

Immediate Treatment: Getting immediate medical treatment is crucial. It not only helps your recovery but also strengthens your claim.

Ongoing Care: Long-term or ongoing care can increase your compensation. For example, if you need physical therapy for months, this will be factored into your settlement.

Specialist Consultations: Seeing specialists can also impact the settlement. Specialist consultations often have higher costs, which increases the compensation.

Medical Documentation: Keeping thorough medical records is essential. These documents provide proof of your injuries and treatments.

Prior Claims

Your history with insurance claims can affect your current settlement.

Previous Injuries: If you have previous injuries, the insurance company might argue that your current injuries are not entirely due to the recent accident.

Insurance History: A history of multiple claims can complicate the process. Insurers might scrutinize your claim more closely.

Claim Disputes: Disputes over previous claims can also impact the current settlement.

Settlement Negotiations: Your attorney will negotiate with the insurance company. They will use your medical records, evidence, and other factors to argue for a fair settlement .

Understanding these factors can help you navigate the complex process of car accident settlements. Each case is unique, and these elements will influence the final compensation you receive.

Frequently Asked Questions about Car Accident Compensation

How much compensation can i expect for my car accident.

The compensation you receive for a car accident can vary widely. According to the Insurance Information Institute, the average settlement for a bodily injury claim in 2020 was $20,235, while property-damage-only claims averaged $4,711. However, these numbers are just averages and your specific settlement will depend on the severity of your injuries, the evidence you provide, and the skill of your legal representation.

Severe injuries like traumatic brain injuries or wrongful death cases can lead to much higher settlements. For example, a case involving severe whiplash might settle for a significant amount due to long-term symptoms and extensive medical treatment.

Legal representation also plays a crucial role. Personal injury lawyers typically take up to one-third of the final settlement, but their expertise can help maximize your compensation.

How are car accident settlements calculated?

Car accident settlements are calculated based on several factors:

Medical Costs: These include immediate treatment, ongoing care, and any specialist consultations. Keep all medical invoices and projections for future medical needs.

Lost Income: If your injuries prevent you from working, you can claim lost wages. Provide documentation from your employer and medical professionals.

Fault Percentage: If you are partially at fault for the accident, your compensation may be reduced. This is known as comparative negligence.

Evidence: Gather as much evidence as possible, including police reports, witness statements, and photos of the accident scene. This can strongly influence the settlement amount.

Insurance companies use various formulas to calculate settlements. They often start with your medical costs and then multiply them by a number (usually between 1.5 and 5) to account for pain and suffering.

Is it better to settle out of court or go to trial?

Deciding whether to settle out of court or go to trial depends on your specific situation.

Settlement Benefits:

• Quicker Resolution: Settlements are typically faster, allowing you to get compensated sooner.
• Lower Costs: Settling out of court reduces legal fees and other costs.
• Less Risk: There’s no guarantee you’ll win in court, so settling can be less risky.

Trial Risks:

• Higher Compensation: Going to trial can sometimes result in a higher damages award, especially for severe injuries or cases involving gross negligence.
• Extended Timeline: Trials can take a long time to resolve, delaying your compensation.
• Increased Costs: Litigation is expensive, and legal fees can add up quickly.

Most personal injury cases settle out of court. However, having a skilled trial lawyer can help you negotiate a better settlement and be prepared if your case does go to trial.

Understanding these FAQs can help you navigate the complexities of car accident compensation. Each case is unique, and these factors will influence your final settlement.

Navigating car accident compensation can be complex. But with the right tools and support, you can make informed decisions and get the compensation you deserve. This is where CompFox comes in.

CompFox offers advanced AI technology to streamline legal research, making it faster and more accurate. Our AI-enhanced case law research system is designed specifically for workers’ compensation attorneys but is also invaluable for personal injury cases.

Why CompFox?

• Comprehensive Database: Access a vast collection of case law, including en banc decisions and significant panel decisions.
• AI-Powered Search: Our smart, intuitive search engine understands the nuances of legal queries, delivering the most relevant cases quickly.
• Time-Saving: Spend less time on tedious research and more time on building a strong case.

Using CompFox, attorneys can efficiently gather evidence, understand precedents, and build compelling arguments. This not only saves time but also increases the chances of a favorable outcome for your clients.

With CompFox , you’re not just upgrading your tools; you’re enhancing your entire legal practice. Embrace the power of AI and make the most out of your precious time. Contact us today to see how we can help you win more cases and get better settlements for your clients.

For more information, visit our AI-enhanced case law research system .

This concludes our article on car accident compensation case studies. Each case is unique, and having the right tools and expertise can make all the difference.

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Real-life case studies on personal accident insurance

Real-life case studies can be a valuable tool in understanding the importance of personal accident insurance. These stories illustrate the impact that an unexpected accident can have on individuals and families, and the role that personal accident insurance can play in providing financial protection. Here are some real-life case studies that highlight the importance of personal accident insurance.

Case Study 1: John’s Story

John was a healthy and active 35-year-old man. One day, while playing basketball with his friends, he suffered a serious knee injury that required surgery and months of physical therapy. As a result, he was unable to work and had to rely on his savings to pay his bills. Fortunately, John had a personal accident insurance policy that provided coverage for temporary total disability. This coverage provided him with a percentage of his salary for the duration of his disability. Without this coverage, John would have faced significant financial hardship.

Case Study 2: Maria’s Story

Maria was a 45-year-old mother of two. One day, while driving her children to school, she was involved in a car accident that resulted in her death. Maria’s husband was devastated by the loss of his wife and the impact it would have on their family. However, he was relieved to discover that Maria had a personal accident insurance policy that provided coverage for accidental death. This policy provided him with a lump sum payout that helped him pay for the family’s expenses and allowed him to take time off work to grieve and care for his children.

Case Study 3: David’s Story

David was a 30-year-old construction worker. One day, while working on a job site, he fell from a scaffolding and suffered a spinal cord injury that left him permanently disabled. David’s personal accident insurance policy provided coverage for permanent disability, which provided him with a lump sum payout that helped him pay for his medical expenses and adapt his home to his new needs. This coverage allowed David to maintain his financial independence and quality of life despite his disability.

Case Study 4: Sarah’s Story

Sarah was a 50-year-old business owner. One day, while walking down the stairs in her office building, she slipped and fell, injuring her back. The injury was severe and required surgery, leaving Sarah unable to work for several months. Sarah’s personal accident insurance policy provided coverage for temporary total disability, which provided her with a percentage of her salary for the duration of her disability. This coverage allowed Sarah to pay her bills and maintain her business while she recovered from her injury.

These case studies illustrate the importance of personal accident insurance in providing financial protection in the event of an unexpected accident. Personal accident insurance policies can provide coverage for a range of benefits, including accidental death, permanent disability, temporary total disability, and medical expenses. The coverage amount and type, premiums, exclusions, duration of

coverage, and reputation and financial strength of the insurer are all factors to consider when choosing a personal accident insurance policy.

In conclusion, real-life case studies demonstrate the value of personal accident insurance in providing financial protection in the event of an unexpected accident. These stories highlight the impact that accidents can have on individuals and families and the role that personal accident insurance can play in providing peace of mind and security. When choosing a personal accident insurance policy, it’s important to consider the coverage amount and type, premiums, exclusions, duration of coverage, and reputation and financial strength of the insurer to ensure that you choose a policy that provides the necessary coverage for your needs and circumstances. If you are based in Dubai then hiring an effective insurance broker in Dubai  can definitely help in making this task easier for you.

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Educating Injury Victims

• Car Accidents
• Hit and Run Accidents
• Case Example

Case Example: Hit and Run Accident Personal Injury Claim

Charles R. Gueli, Esq.

Licensed Attorney

Charles is a practicing attorney with over 20 years of experience in personal injury law. He was recently selected as a SuperLawyer by Thomson Reuters, an exclusive honor awarded to the top 5% of attorneys.

Follow along with a hit and run car accident victim from the collision to compensation. Learn about auto insurance claims after a hit and run.

The hit and run collision, side-impact accident injuries, liability for hit and run accidents, damages and claim negotiations, important points about hit and run claims.

Here we unpack a fictional case study drawn from the fact patterns in actual hit and run car accident cases.

Our study deals with a side-impact collision that left the victim injured and helpless as the other driver sped away from the scene.

We’ll discuss how the crash occurred, liability, injuries, negotiations, and the final claim resolution.

We wrap up with a list of important points you should know about hit and run car accident claims .

The accident occurred at a 4-way intersection in a residential neighborhood outside of a medium-sized city. The day was clear, and the roads were dry. It was still early in the morning, so commuter traffic was light.

Jennifer was driving her new compact sedan to work. She was traveling her usual route to work when she came to a 4-way intersection. She came to a complete and legal stop at the stop sign. There was one car behind Jennifer’s when she stopped.

After looking both ways, Jennifer went ahead through the intersection. Without warning, a large, white pickup truck barreled through the intersection without stopping and T-boned her on the passenger side of her small car.

The impact pushed her car across the street and into a light pole. Both vehicles came to a skidding stop. However, the white pickup truck immediately fled the scene.

The driver of the car that was behind Jennifer pulled over to the curb, called 911, and got out to see if she could help. Due to the sound of the collision, several residents of the neighborhood came outside to see what happened.

Within minutes an ambulance, fire truck, and the police were on the scene.

Side impact collisions often cause secondary crashes, as when Jennifer’s car smashed into a light pole after the initial impact from the pickup truck.

T-bone crashes are fast and violent, often causing devastating injuries to occupants of the car that gets broadsided. Spinal cord injuries , broken bones, and brain trauma are not uncommon.

Despite the airbags that deployed during the crash, Jennifer was in and out of consciousness when emergency responders cut her out of the mangled car.

After carefully immobilizing Jennifer’s head and neck on a backboard, the paramedics transported her to the nearest trauma center .

At the hospital, Jennifer was evaluated and rushed into surgery for repair of internal injuries, including a ruptured spleen . She also suffered a concussion, a broken nose, whiplash, and multiple scrapes and bruises.

Jennifer had multiple medical appointments for treatment and follow-up for a full six months after the crash.

Although she knew she was lucky to be alive and able to walk, Jennifer required mental health treatment to cope with her fear of car travel, nightmares, and general anxiety following the accident .

Jennifer was out of work for the first three months of her recovery. She was medically cleared to ease back into her desk job as a travel agent, working part-time hours for another three months.

Jennifer was observing the rules of the road and had come to a complete stop at the intersection. When she lawfully drove forward, she was struck by the truck that fled the scene.

The driver behind Jennifer at the stop sign saw everything and willingly provided a witness statement to the police. Police officers are trained in accident investigation and fault analysis.

Based on witness statements and evidence from the scene , the police concluded Jennifer did not contribute to the cause of the collision. The driver of the white pickup truck was at-fault for the crash.

Every state has traffic laws that are violated in hit and run car accidents.

Drivers who cause injury to others by violating the traffic laws are liable, meaning financially responsible, for the injury victims’ losses.

In this hit and run accident, the driver of the pickup could be cited for:

• Failure to yield the right of way
• Failure to come to a complete stop at the intersection
• Felony hit and run (raised to a felony because Jennifer was injured)

Because the driver left the scene and no one was able to get a look at the truck’s license plate, the police were unable to name the at-fault driver.

In an effort to find the at-fault driver, the police broadcasted a descriptions of the pickup truck, and the type of front-end damage to look for, to state and local police departments.

Jennifer was left with a wrecked car and bodily injury damages after the hit and run collision.

Bodily injury damages include:

• Ambulance expenses
• Medical bills
• Mental health treatment bills
• Out-of-pocket medical expenses
• Transportation costs to medical appointments
• Pain and suffering

Unfortunately, the police were not able to track down the driver of the pickup. Therefore, there was no other insurance company against which to submit a personal injury claim.

Jennifer turned to her own insurance company to submit her damages claim under her uninsured motorist coverage . She also had collision coverage she could use for her wrecked car.

Jennifer carried uninsured motorist coverage limits of $100,000 per person for bodily injury and $50,000 for property damage.

Most states require auto policies to include uninsured motorist coverage to protect policyholders in the event of an accident caused by someone without insurance, or in this case, someone who can’t be located.

The company quickly settled the property damage claim for Jennifer’s car for the fair market value of her vehicle.

Injury Compensation

Jennifer had $40,000 in medical expenses, $3,000 in out-of-pocket expenses, and $9,000 in lost wages. Her attorney filed an insurance claim on her behalf, demanding the full $100,000 of underinsured motorist coverage in compensation for Jennifer’s hard costs and pain and suffering.

Jennifer’s attorney handled all the settlement negotiations with her insurance company, emphasizing the severity of her injuries and the emotional distress she suffered from the violent crash.

After a few rounds of negotiations, Jennifer’s bodily injury claim was settled for $95,000.

• If you’re hit by an uninsured or unknown driver, you can turn to your own insurance company for claims under your uninsured motorist coverage.
• In no-fault insurance states , you and your passengers will be covered by your Personal Injury Protection (PIP) coverage.
• Carry enough uninsured motorist coverage to adequately protect you and your family. If you only purchase the bare minimum of coverage, that’s all there is to fall back on if you’re badly injured by an uninsured or unknown driver.
• If the at-fault driver is located later, your insurance company has a right of subrogation , meaning they can go after the at-fault driver to recover the money they paid on your behalf.
• Severe injury claims should be handled by an experienced personal injury attorney, even if you are dealing with your own insurance company. The adjuster’s job is to minimize payouts, including payouts to policyholders.
• If you are an injured passenger in a car that’s hit by an uninsured or unknown driver, you can file an injury claim with your driver’s insurance company.
• Fleeing the scene of an accident is a crime. If you are injured by a hit and run driver, you may be eligible for benefits through your state’s Crime Victim Compensation Fund. For example, Texas provides hit-and-run Crime Victim Compensation benefits .

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At about 6:30 p.m. on Wednesday, July 23, 2014, a patron was leaving a pub in southeastern Wisconsin. Intending to pull straight out of his parking stall, he accidently put his vehicle into reverse and accelerated, backing into the building and caving in the wall. Meanwhile, inside the pub, an employee was serving drinks from behind the bar, which is near a cooking area with a broaster. Suddenly, scalding hot grease erupted from the broaster, splashing everything nearby. The vehicle had hit the wall that contained the cooking equipment, causing serious injuries to the pub employee and significant damage to the building.

On Thursday, July 24, 2014, Society Insurance received notice of an incident at a policyholder pub in southeastern Wisconsin. Since there were both employee injuries and property damage associated with this incident, a specialist from Society’s  workers compensation claims  team along with a dedicated representative from Society’s  property claims  team were quickly on the case. Care for the injured employee was a top priority, as well as getting the pub reopened and back to business.

Society Insurance Solution

Employee Injury & Workers Compensation

All the bartender remembered of the actual incident was what he described as an explosion and hot grease in the air. He received second and third degree burns over 20 percent of his body. Surgery was required and the healing period lasted for a year. Since this was a work-related injury, Society paid the employee for the time he missed from work, compensation for some resulting permanent disability, and over $200,000 for necessary medical treatment.

The employee retained an attorney to pursue a third-party liability claim against the driver and his insurance company. Society’s knowledgeable claims adjuster recognized the opportunity to retain counsel to protect Society’s statutory right to reimbursement, applicable in this workers compensation claim.

In 2016, the third-party claim was settled for $1.1 million. The proceeds were distributed according to the distribution formula outlined in state statutes. The settlement was large enough that Society was able to recoup 100 percent of the loss payments in this claim, over $207,000. In addition, the settlement was sufficient to also fund a cushion from which any future medical treatment would be paid if that became necessary. This large claim could have adversely affected this Society Insurance policyholder since workers compensation premiums are affected by the number and value of claims experienced by the employer. In this case, however, the responsible party – the driver – ended up covering this loss so the pub’s insurance premium will be unaffected by this claim.

Property Damage

Society’s experienced claims representative immediately contacted a building restoration company who subsequently hired a professional engineer to monitor the repair work for structural and safety purposes. The restoration company took the lead by contacting subcontractors in an effort to gather estimates for repairs.

Temporary repairs were done immediately, which included bracing the damaged wall and removing loose siding. The ambitious goal was met to get the pub back up and running by dinner time on Friday, July 25, to avoid long-term loss of business income and reputational damage.

Restoration

While the pub focused on getting back to business, Society’s experienced claims specialist took care of the details associated with finalizing repairs – including availability of unique construction materials, considerationi of cooking equipment repairs or replacement, and building code upgrades. Once the final estimate and subcontractor bids were ready, Society worked with a building consultant to audit the prices and make sure that they were appropriate for the project. With Society’s focus on minimizing downtime, the pub was only required to close for two additional days in November 2014 to complete the final repairs.

Subrogation

The pub was responsible for a $1,000 deductible on this claim, while Society paid nearly $170,000 for building, contents, and code upgrades. This large claim had the potential to adversely affect this pub, and other policyholders, but Society’s experienced team was responsible for recovering 87 percent of the total damages through subrogation. The driver involved in this accident had valid personal auto and umbrella policies, which were responsible for reimbursement to Society in 2016. 

What is subrogation?  Subrogation occurs when an insurance company which pays its insured customer for injuries and losses then legally pursues a third party which caused the damages.

When an unexpected situation interrupts your ability to conduct business, Society is ready to bring speed and skill to the  claims process . This includes thorough investigation, the best possible care for your employees, quick restoration, and paying what is rightfully owed. You can feel confident knowing that your business and your employees are protected by Society Insurance.

To find out how Society can help your business, visit  societyinsurance.com  to find an agent and request a  free quote .

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Redbird Agents

Agent’s Guide to Selling Accident Insurance

November 28, 2017 By Drew Gurley

Obama care continues to shake up the health insurance market and more agents are looking for other ways to recover their lost health insurance commissions and support their clients suffering from “high deductible” syndrome!

If you’ve spent any time on this site, you’ll know how passionate I am about cross selling.

Whether it’s cross selling life insurance or cross selling accident insurance, cross selling is what separates the good agents from the top producers.

And, one of the easiest products to cross sell is accident insurance, especially if you already have relationships with your existing customers.

What is Accident Insurance?

Accident insurance is an affordable insurance policy that pays a pre-determined amount of benefit to your client when they suffer an accident.

For example, a child breaks their leg at the playground. Their accident insurance policy kicks in and pays cash benefits at nearly every step of the treatment process. This could include ambulance ride, x-rays, surgery, follow up visits, etc.

Accident Insurance at a Glance

• Accident Insurance benefits paid directly to you regardless if you have health insurance or not.
• Benefits never paid to the insurance company or medical facility
• No lifetime limitations
• Accident insurance claims do not cause rate increases
• No health questions for accident insurance
• Everyone qualifies

Accident insurance is cheap!

How Does Accident Insurance Work?

Check out the 4 scenarios below and learn how accident insurance works.

These examples review accident insurance case studies, underwriting, commission potential, and exclusive Redbird Cash Bonus program for selling accident insurance.

• Mom Saves Family $3,710
• Firefighter Recovers $9,175 Using Accident Plan
• Florida Farmer Get’s $2,100 Back
• Dad and Son Recover $6,500

Accidents Happen Every Second of Every Day

Did you know more than 40 million people in the United States suffer from nonfatal injuries every year?

With the spike in high deductible health insurance plans, there are a lot of people needlessly spending money out of pocket for their accidents.

This article will teach you everything you need to know about accident insurance and how you can start helping your clients get enrolled immediately.

Let’s get started.

Who Buys Accident Insurance?

Accident plans are good for anyone with high deductible health insurance plans or those without health insurance at all.

Because accident plans will put cash back in their pocket at a time when their health plan isn’t covering or covering at a very low level.

However, anyone can purchase an accident plan, whether they have health insurance or not.

Are you ready to get started selling accident insurance?

Yes, I Want to Start Selling Accident Insurance Now!

Accident Insurance vs. Health Insurance

Accident insurance is a supplementary plan for individuals and families.  Health insurance is NOT required to qualify for accident insurance.

Most people buy accident insurance to protect their financial liabilities of either 1) not having health insurance or 2) having a high deductible plan.

Do you need health insurance in order to buy accident insurance?  Absolutely not.

Does accident insurance help offset your out of pocket expenses? Yes.

How Does Accident Insurance Pay Out?

Accident insurance plans are a type of indemnity plan which pays out directly to the insured.

For example, if you own an accident plan and take an ambulance ride, the insurance company will write you a check directly versus paying the hospital or medical facility.

This gives your client complete control of how to use the proceeds from the insurance company.

Below are some examples of the types of services and injuries many accident plans will cover and the associated payments your clients can expect to receive.

How much does Accident Insurance Cost?

Yes, I said it. It’s cheap and everyone should buy it.

Some plans are as low as $15 / month for an individual and $40 / month for a family (make sure and review your plan designs).

Think about accident insurance as low cost “out of pocket” insurance.

If someone get’s in an accident, the accident insurance company will pay a predetermined amount of money to the policy owner for the type of accident that occurred.

Below are four case studies of how accident insurance works.

Accident Insurance Scenario 1: Mom Saves Family $3,710

One of your existing clients stays at home with her four children while her husband works. Due to their high deductible health insurance plan, she’s constantly worried about what would happen if they get hit with a bunch of medical bills.  Could they still pay their mortgage ?

Her husband was involved in an accident at work that resulted in losing a finger and multiple nights in a hospital.  While they have employer sponsored benefits, they were still stuck with a large out-of-pocket expense.  An expense that will certainly impact her ability to pay for the commitments they have for their four children each month.

After the claims process was complete, their accident insurance plan reimbursed them for more than half of their health insurance deductible.  Between the coverage he had at work and their family accident insurance plan, they were able to fully recover their out-of-pocket costs.

Below is an overview of the total cash payout they received from the accident insurance plan.

Underwriting:   None, accident insurance is guaranteed issue!

Application Type:   E-app or paper (e-application is extremely easy!)

Monthly Premium:  $52.30 / month total for dad, mom and all four kids

Agent Commission:  $257.31 for the first year and 4% renewals for life.  Commissions are paid weekly.

Do you currently work with families on their home and auto coverage?

Don’t you think they could benefit from a product that protects their entire family from the high out-of-pocket costs related to their current health insurance?

Contact Us Today to Get Started Selling Accident

Accident Insurance Scenario 2:  Firefighter Recovers $9,175

One of your clients is a veteran firefighter with your community fire department and absolutely loves his job, despite the inherent risks.  After nearly 10 years of no accidents, he recently suffered an injury while climbing on a two-story roof of a fire scene and was transported to the hospital for treatment.

You helped him coordinate his accident insurance claim and after the claims were paid, he was more than fully reimbursed for his medical expenses while not interfering in his workers comp claims.

One of the items to note is that his waiver of premium rider kicked in during his three-month disability and covered his ongoing policy premiums.

Below is an overview of the total cash payout he received from the accident insurance plan.

Riders:  Waiver of Premium & Public Safety (exclusively available for firefighters, police and first responders)

Monthly Premium:  $36.50, which also kept him from losing his workers comp benefits.

Agent Commission:  $179.58 for the first year and 4% renewals for life.  Commissions are paid weekly.

Do you have a natural connection to first responders, police or firefighters?

If so, do you think they would benefit from a policy that pays above and beyond department provided insurance?

Accident Insurance Scenario 3: Farmer Gets $2,100 Cash Back from Accident Insurance Plan

One of your clients has been farming for nearly 15 years.  Recently while working on a piece of farming equipment, his hydraulic lift shifted and pinned his shoulder to the ground, resulting in sever dislocation and laceration.  Upon helping him with his claim, you were able to get him reimbursed for nearly the full cost of his deductible.

Monthly Premium:  $38.20 for the farmer and his spouse.

Agent Commission:  $187.94 for the first year and 4% renewals for life.  Commissions are paid weekly.

Are you currently working in or near a rural market?

Do you believe your clients who match the description above would appreciate you providing them the option to access this type of affordable accident insurance?

Accident Insurance Scenario 4: Dad and Son Get $6,500 to Cover Deductible

Your hypothetical client and one of his sons were driving back from a weekend lacrosse tournament and suffered a rollover car accident resulting in multiple injuries and more than $5,000 in out-of-pocket medical expenses.  After using their accident insurance, they were fully reimbursed for their medical expenses and have $1,500 left over for future medical bills.

Monthly Premium:  $52.30 for entire family.

Would it be worth adding accident quotes with every home and auto policy if you knew you could potentially earn an additional $2,500 / month in commission?

Earn Cash Bonus Selling Accident Insurance: Up To $650 / Month

We believe in this product so much that we have negotiated a special cash bonus for you from one of our best accident insurance companies.

It’s not uncommon for P&C agencies to sell more than 40 new policies per month. Considering the price of accident insurance and the impact it has to help people save money, this is a no brainer.

Here’s how your cash bonus works.

• $20 bonus per application up to 10 applications per month.
• $30 bonus per application for applications 11-25 per month.

Get Started Selling Accident Insurance is simple!

• Make the commitment (remember, cross selling is easy when you start with an easy product that provides nearly instant value for your clients)
• Get contracted with an accident insurance company (Redbird can help you with that!)
• Study your products to fully understand how the benefits pay out
• Start prospecting your natural network
• Set appointments
• Print off these four examples to show your clients
• Enroll using a simple online accident insurance application

FREE DOWNLOAD: Redbird Insurance Income Estimator

Ever wonder what your true income potential is in the insurance business?

Use our Redbird Insurance Income Estimator and accurately forecast your income.

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About Drew Gurley

As a co-founder of Redbird Advisors, one of my primary missions in growing our business is connecting bright minds that together can accomplish great things. Leading our team down a path with clearly defined goals and objectives while adapting to change along the way.

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• Car Accidents

What Happens if You Lie to an Insurance Company About a Car Accident?

• August 15, 2024
• Gary Burger

What happens if you lie to insurance company about car accident? Lying or even making misstatements about a car accident can have serious legal consequences. When someone misrepresents the facts of an accident, it not only violates the terms of their insurance policy but also may lead to criminal charges such as insurance fraud .

Sometimes, you might be wrongfully accused of lying due to the nature of insurance communications. Always protect yourself by having a St. Louis car accident attorney from Burger Law handle all your insurance communications.

Auto Insurance Companies Often Contact You Soon After a Crash

After a car accident, you can expect a call from an insurance company’s claims adjuster. Their main objective is to gather information about the accident and assess the extent of the damages. It’s important to remember that the adjuster works for the insurance company and their goal is to protect their financial interests. Their questions may seem innocent, but always be cautious about what you say.

During the conversation with the claims adjuster, they will ask you about the details of the accident. They might ask who was at fault, how the accident occurred, and the extent of the damages. Provide accurate information but avoid making statements that could be misconstrued as admitting fault or downplaying the accident’s severity. If you are ever unsure, be honest about it.

Always Be Careful About What You Say

Remember, insurance adjusters skillfully ask questions that could potentially harm your case. They might try to get you to admit fault or minimize your injuries, both of which can significantly impact your claim. Stay cautious and avoid making any statements they might use against you in the future.

Insurance companies are always looking for ways to minimize their financial liability. If you make any contradictory statements or provide inaccurate information, the insurance company can use it against you to deny your claim. This is why you must be truthful and precise in your interactions with the insurance company.

Insurance Companies Can Accuse You of Lying and Deny Your Claim

If an insurance company believes that you have lied or provided false information about the car accident, they have the right to deny your claim . This can leave you without the financial compensation you need to cover medical expenses, property damage and other losses resulting from the accident. Furthermore, the insurance company may file a complaint with law enforcement , leading to potential criminal charges.

Have a Car Accident Attorney Handle All Insurance Communications

To protect your rights and ensure that you receive fair compensation, it’s in your best interest to have a car accident attorney handle all communications with the insurance company. An experienced attorney understands the tactics used by insurance adjusters and can say the right things. They can help you gather evidence, negotiate with the insurance company and build a strong case on your behalf.

Consult a St. Louis Car Accident Lawyer Now

If you have been involved in a car accident and are unsure about how to handle the insurance company’s inquiries, consult a St. Louis car accident lawyer immediately. At Burger Law, we regularly handle car accident cases. We know insurance law and will fight aggressively to protect your rights.

Contact us at (314) 500-HURT to schedule a free consultation today.

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This page has been written, edited, and reviewed by a team of legal writers following our comprehensive editorial guidelines . This page was approved by Founding Partner, Gary Burger who has more than 30 years of legal experience as a practicing personal injury trial attorney. Gary’s robust legal knowledge is recognized by his peers as demonstrated by his industry awards and frequent Continuing Legal Education (CLE) lectures.

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Case Study: Multiple Injuries After Road Accident

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Mr M was awarded £275,000

A man who was badly injured in a vehicle collision was able to successfully claim compensation with the help of JMW Solicitors. We helped him to secure £275,000 to help cover the costs of his recovery.

Mr M’s car collided with a Mercedes coming in the opposite direction, which had swerved to avoid a 4x4 driver who was attempting to overtake the line of traffic Mr M’s car was in. As a result, Mr M sustained fractures to his right shoulder, elbow and wrist, his right hip and thigh, and his left knee.

These injuries proved serious enough that even a phased return to his work as a valet and delivery driver proved difficult for him. After the accident, he was only able to work for a few hours at a time before the pain became too difficult to cope with, meaning he was forced to leave work once again.

Following these experiences, Mr M got in touch with JMW Solicitors to help him make a claim for compensation. Establishing who was responsible for causing the injury was a complex process, as the circumstances of this case meant that several parties could all have been said to have played a part in the accident.

After consulting the police incident report and speaking with the drivers of the other cars involved, the 4x4 driver was identified as a liable party, and the individual subsequently pleaded guilty to charges of dangerous driving and a failure to stop. The driver’s insurance company also accepted full responsibility for the accident, meaning the 4x4 driver became the defendant in Mr M’s case.

Additionally, JMW’s legal team collected further evidence to support Mr M’s claim, including copies of his wage slips and medical records. It was also established through witness statements that the claimant’s injuries had forced him to move in with friends, who were providing assistance with his care requirements.

The Medical Evidence

To further strengthen the case, JMW instructed a consultant orthopaedic surgeon to provide an independent report on Mr M’s injuries, with the defendant’s insurer providing funds for an assessment by a care expert to understand what Mr M’s ongoing requirements would be. An interim payment was also made to help Mr M with his finances in the short term.

The surgeon’s report confirmed that Mr M had undergone operations to pin his right thigh, and insert a plate and wires into his right shoulder. It also confirmed that he was now unable to raise his arm above shoulder height, and that his right knee was prone to buckling underneath him, causing severe mobility problems.

Because Mr M was not able to carry on in his previous professional role, it was determined that part of his compensation award needed to reflect his need to completely re-train.

Recovery and Rehabilitation

The care expert analysed Mr M’s MRI scan and arranged for physiotherapy, pain management and occupational therapy assessments, as well as coordinating a return-to-work programme.

Because the MRI scan suggested that the lack of stability in Mr M’s knee was due to muscle weakness, physiotherapy was recommended as the best course of action. Mr M soon started his rehabilitation plan, while attending vocational counselling to assist with getting a new career.

A subsequent assessment report from his physiotherapist indicated that Mr M was still experiencing severe mobility difficulties, more than two years after the accident. It also outlined the sort of treatment he would require to help him recover further.

Court Proceedings

The defendant’s insurer made an initial offer to settle the case, but this was too low, and the JMW team advised Mr M against accepting it. Court proceedings were issued to allow the case to continue, while an upper limb consultant was called in to examine Mr M.

Meanwhile, the defendant’s solicitor made a second offer to settle the case, but JMW determined that Mr M had not made enough of a recovery to ensure that a settlement would cover all of his medical needs, so this offer was also rejected, as was a subsequent increased offer.

The upper limb expert’s report showed that Mr M was having significant difficulties with his shoulder, and recommended that the claimant be seen by a lower limb expert, a pain expert and a psychiatrist for further support. It was also agreed that the combination of Mr M’s injuries and his pre-existing difficulties with literacy and numeracy were proving to be a “toxic” combination, putting him at a severe disadvantage on the open labour market.

Final Settlement

In order to bring the legal process to a close, Mr M decided to make an offer to the defendant’s solicitor to settle the case. After a lengthy negotiation at the settlement meeting, a figure of £275,000 was agreed by both parties, which Mr M was happy to accept, as it allowed him to move on after a lengthy case, even though the issues surrounding his leg injury remained unresolved at the time of the settlement.

If you have been injured in a road traffic accident that wasn’t your fault, speak to the experts at JMW Solicitors for free, no-obligation advice on whether you could have a case to claim for compensation. Call us on 0345 872 6666 , or fill in our online contact form to request a call back.

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Road Traffic Accident Claims Case Studies

Home » Solicitors for you » Personal Injury » Case Studies » Road Traffic Accident Claims Case Studies

Road Traffic Accident Claim Case Studies

Farleys Solicitors have a wealth of expertise acting on behalf of clients who have suffered an injury as result of a road traffic accident or collision. Our extensive experience practicing in this area of law allows us to secure the optimum settlement for our clients. Below is a small sample of previous cases we have won:

Mrs Q Recovers Damages After Suffering Brain Injury in Road Traffic Accident

Mrs Q approached Farleys' personal injury team to act on her behalf following a road traffic accident. Background Mrs Q was a pedestrian...

Farleys Recover Over £200,000 in Motorcycle Accident Claim

Mr R approached Farleys’ personal injury team in order to help him pursue a claim following an accident that he had whilst riding his moto...

Blackburn Crash Victim Recovers £120,000 From Road Traffic Accident Claim

Farleys’ personal injury team was approached by Miss H about the possibility of making a claim for compensation after a road traffic accid...

Passenger Awarded £180,000 for Chest Injuries in Car Accident

Mr B approached Farleys’ personal injury team about the possibility of making a claim for compensation after he was injured in a road traf...

Cyclist Receives Over £8,000 After Being Injured in a Hit and Run

Mr C approached Farleys’ personal injury team about the possibility of making a claim for compensation after he was involved in a hit and ...

£50,000 Compensation for Pedestrian Struck by a Car

Farleys’ personal injury solicitors recently settled a successful claim on behalf of a client who sustained injuries as a pedestrian in a ...

Ms C Awarded £6,500 Following Darwen Road Traffic Accident

Ms C approached Farleys’ personal injury team about the possibility of making a claim after she was injured in a road traffic accident. ...

Road Traffic Accident – Client Awarded £25,000 Damages

Farleys’ Personal Injury team was approached by our client following a road traffic accident involving the client’s car and another car....

Blackburn Road Traffic Accident - Ms P Awarded £90,000

Our client, Ms P*, contacted Farleys' personal injury team after being involved in a road traffic accident that wasn’t her fault. Ms P ha...

£11 Million Compensation Following Road Traffic Accident

Senior Partner at Farleys, Michael Corrigan, has achieved another multi-million pound settlement, with £11 million being secured to support...

Accrington Road Traffic Accident - Ms D Awarded £2,650

Blackburn Car Accident - Ms C Awarded £14,000

Ms C of Blackburn was the innocent victim of a road traffic accident when another car went through a red light and hit the side of her car. ...

Blackburn Cyclist Accident – Mr V Receives £275,000 Compensation

Blackburn road traffic accident claim - mr x awarded £35,000.

Mr X was the innocent victim of a road traffic accident close to his home in Blackburn when another car coming at speed off the motorway cut...

Burnley Pedestrian Accident – Ms K Awarded in Excess of £11,500

Cheadle hulme road traffic accident - ms x awarded £3,766.

Ms X was injured in a road traffic accident close to her home in Cheadle Hulme, Manchester. Another driver came out of a side road and hit M...

Clitheroe Road Traffic Accident - Mr X Awarded in Excess of £5,000

Darwen road traffic accident claim – mr s awarded £4,000.

Farleys Solicitors LLP acted on behalf of Mr S of Blackburn following a road traffic accident that occurred in October 2012. The accident oc...

Lancashire Road Traffic Accident – Ms E Awarded in Excess of £5,000

Lancashire road traffic accident claim – ms s awarded £10,000, manchester road traffic accident claim – mr b awarded in excess of £2,000, nelson road traffic collision - mr a awarded £3,750 as an interim payment.

Mr A, a professional driver from Nelson, was hit from behind by another car whilst driving at about 5 miles an hour approaching a queue of t...

Oldham Road Traffic Accident - Mrs C Awarded £5,000

Police road traffic accident - officer awarded £25,000, £1.27m compensation for man who suffered severe injuries after motorcycle accident.

In summer of 2013 whilst riding his motorbike Mr W was involved in a serious road traffic accident. As a result Mr W sustained serious in...

Whalley Range Road Traffic Accident – Mr T Awarded £25,000

Wigan road traffic accident – mr g awarded in excess of £4,000, get in touch.

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© 2024 Farleys Solicitors is the trading name of Farleys Solicitors LLP, a Limited Liability Partnership authorised and regulated by the Solicitors Regulation Authority (SRA No 00484687) and registered in England and Wales (number: OC331793). A list of members can be obtained from the registered office: 22-27 Richmond Terrace, Blackburn, Lancashire, BB1 7AF.

Farleys Solicitors is a member of the 'Lawfront Group' of companies of which its parent, Lawfront Holdings Limited (LHL), is a limited company registered in England & Wales (Reg No. 13327912) having its registered address at 10 Ledbury Mews North, London, W11 2AF. VAT number is 442306622

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