Should You File A Lawsuit After A Fender Bender?

If you are driving with no or little care about traffic laws, you have to pay a heavy price for your negligence or dare-devil attitude. If the accidents cause serious injury, death and damages to property, the surviving victims and/or their beneficiaries are entitled to file a lawsuit against the at-fault parties.

These compensation claims are a common outcome of a major accidental injury. But what about a fender bender? It refers to a minor car accident. If an injury and/or property damage resulting from a motor accident is caused due to a driver’s mistake, it makes a solid ground for compensation claim. However, you may hesitate to lodge a claim after a comparatively minor automobile accident.

The vital question remains if a fender bender is worth a compensation claim or not. Here are some important points to consider:

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Do You Own An Auto Insurance Policy?

Getting involved into a car accident – even if itt is of minor nature – leads to injuries and other unwanted consequences. However, if you don’t own an auto insurance policy, the accident could set you back by a fortune and you have no way to collect the compensation from an insurer. In many states, driving without auto insurance not only holds you responsible for the accident, injury and property damage but also prohibits you from making any claim for full damage recovery that you could have collected otherwise.

Is Your Physical Injury Serious?

Fender bender may also cause physical injuries but those are often not serious enough to file a lawsuit against the at-fault driver. How to decide if a particular injury is serious or not? The thumb of the rule is if the injury does not require medical attention, lead to medical bills, result into wage loss and cause pain and suffering including mental stress, anxiety or anguish, your injury will not be considered serious. Long-time medical treatment usually reflects seriousness of the injury. Bruises and minor cuts are not considered serious injuries and so don’t make good grounds for a lawsuit file.

Were Your Cars Badly Damaged?

Even a fender bender may cause serious damage to your car. However, a minor dent or scrape to the car should not be a serious consideration for the motorist. You still have the right to sue the at-fault party but it will only be a waste of your effort and time. If your insurance coverage is limited to only serious damages, you have a better option in form of a small claims court.

The car accident and personal injury lawyers are usually interested in the cases involving serious physical injuries, massive damages to automobiles and medical expenses resulting from horrible car accidents.

If you have recently met a fender bender due to other motorist’s fault, you may seek help from a Naqvi injury law professional. The lawyer will assess your case and decide if it is worth a lawsuit file or not. Many lawyers offer free consultation service. If you have got away with a minor injury and suffered no wage loss, it is less likely that he will suggest lawsuit filing.