Whenever an accident occurs, there are some consequences that are being caused as a result of it. Now, most people focus on the physical impacts that occur as a result of them, but really, the impact that affects people the most is the emotional one.
Emotionally, people get disturbed by the accidents so badly that the trauma stays with them even after ages. Now, as far as claims are concerned, they can seek it very easily when there is physical injury involved. But when it is about emotional distress and suffering, it is a bit challenging for the victims to ask for it.
It must be remembered that the claims of emotional distress are treated as a valid part of personal injury claims by insurance companies. The victims should not be reluctant to ask for compensation.
Understanding Emotional Distress
Emotional distress can be classified as mental or psychological tension that you feel after a disturbing event. These are a form of emotional distress that needs to be addressed by the victims of injury.
Emotional issues have the potential to affect a victim’s overall health negatively and to lower many people’s standards of living. Therefore, it is preferable to comprehend the consequences now rather than later.
It is the legal right of the victim to ask for justice if they have to deal with emotional distress of any kind.
Types of Emotional Distress
There is a large number of emotional distresses that can impact the victims after a car accident. Some of the common ones are:
PTSD: In a number of cases, the victims develop mental health conditions like post-traumatic stress disorder (PTSD). This is one of the severe kinds that is not very easy to manage. This includes having flashbacks of the event that cause distress and the emotional numbness that is felt after the accident.
Anxiety Problems: Individuals are seen developing anxiety disorders that, if prolonged, can cause severe depression or changes in moods that can impact the normal routine of people.
Panic Attacks: Some of the survivors and victims are seen developing severe symptoms of panic attacks after they go through a traumatic accident. With panic attacks come phobias that are also very hard to tackle.
Adjustment Illnesses: Car accidents may cause adjustment problems, which are characterized by the disability of adjustment to life after an accident. People may struggle with relationships, work, and day-to-day life.
A car accident lawyer can help you understand the severity of these illnesses better. Click here to know more.
Insurance and Emotional Distress Claims
When it comes to insurance issues in cases of emotional distress, it is very important to understand how insurance companies cover these damages and handle these claims.
This is how the claims are handled:
- The liability in case of a car accident is understood first. In this step, it is determined who is at fault, and the insurance company can get more convinced to understand the emotional distress.
- In order to process emotional distress, it is very important that the correct evidence is collected. For that, the insurance company does complete research to know how the victim has been dealing with stress and the psychological impacts of the injury. This is collected by talking with the mental health professionals and by connecting with the psychological experts.
- Documentation after that is very crucial. The claimants must make sure that they document the whole scene of the accident properly and make sure that the emotional damage has been highlighted.
- Records of any mental health treatment received, including therapy or counseling, can be instrumental in demonstrating emotional distress claims. These records may be demanded by insurance companies in the route of the claims procedure.
If we look at the strategies that are used in negotiation, then the only person that comes to mind is an attorney. A skilled lawyer can help you in navigating through the whole process of dealing with the insurance companies.
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They collect the needed evidence, including the therapy notes, the doctor’s prescription, and your doctor’s appointments, to make sure that your case is solid enough to get the needed compensation from the insurance company.
For the victims, it is important to stay persistent and not settle for the claims all at once. Do keep a look at the settlements that are offered by the insurance company and decide on the one that suits you the best.
Conclusion
In order to make the insurance claims, it is very important for the victim of the accident to understand the insurance companies better. A skillful and talented attorney can help a lot in such matters and can help you get the compensation that is needed for the emotional distress that has been endured.
