You would file an anxiety insurance claim if you suffer anxiety from a car accident. Anxiety is a type of mental distress that does not normally show up until some time has passed after the accident that causes it occurred. However, for you to be successful in winning a claim for anxiety, you will need to prove that the anxiety was caused by the accident and that you’ll need continued medical care for that anxiety.
Types of Anxiety You Can Experience from an Auto Accident
There are many types of anxiety you can experience after being involved in an automobile accident, including the following types:
- Experiencing fear of being in another automobile accident.
- Experiencing fear and anxiety of riding in an automobile.
- Having ongoing health issues that create mental stress.
- Having an inability to sleep.
- Experiencing Post Traumatic Stress Disorder (PTSD).
Proving Your Anxiety Insurance Claim
In order to receive compensation for your anxiety, you need to prove the following conditions:
- The anxiety was caused by the accident.
- You will need continued medical care for that anxiety.
Proving that your anxiety was caused by the accident is not an easy matter, as providing visual evidence is much harder than with outward, physical injuries. The advice and opinions your doctors and/or other medical specialists provide are critical to proving that you have anxiety from the accident.
In addition, showing that your life has been negatively changed after the accident, such as not being able to work on a regular basis and not being able to communicate and connect with loved ones as you did before the accident, can also be effective in proving that your anxiety insurance claim is a legitimate claim.
Total Amount of Damages You May Be Able to Recover because of Your Anxiety
An insurance company will normally look at the amount of money that has been spent or lost by the injured person because of the accident. It is harder to place a specific dollar amount on mental anguish such as anxiety. As a result, the insurance company will often use a formula to calculate an appropriate dollar amount for this type of injury.
The insurance company will add up the total amount of medical expenses related to the injury, known as “medical special damages,” or “specials.” This base amount is then used to calculate the “general damages,” which includes anxiety and other emotional damages. Once the insurance company determines the amount of lost income and lost earning capacity, the starting amount from which negotiations can be centered around is determined.
Attaining Legal Help
Filing a successful anxiety insurance claim after an accident is not an easy task. An established and experienced personal injury attorney from the state where the accident took place can determine what specific state laws apply to your case and build the strongest possible case to prove your anxiety insurance claim and win all of the compensation you deserve.
