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Will Car Insurance Cover Psychiatric Injuries?

Many people don’t realize that in the days, weeks and months following a car crash, physical injuries aren’t the only things you need to concern yourself with. Many auto-accident victims also suffer from unfortunate psychiatric or psychological injuries, including Post-Traumatic Stress Disorder (PTSD), general stress-related issues and much more.

If you have been injured psychologically in a car accident, the most logical question to ask yourself next is “will my insurance even cover this?” The answer to that question is one that requires you to keep a few key things in mind.

See a Doctor Immediately

The first and most important thing to do immediately after a car crash is to always consult the help of a medical professional. Remember that both physical and psychological trauma won’t always be obvious – these issues can slowly manifest themselves over a series of days or even weeks. Seeing a doctor right away serves two distinct purposes, both of which are essential.

First, it helps make sure you have the proper treatment you need as quickly as possible. Secondly, it helps to establish a firm link between the symptoms of your psychiatric injury and the car crash you experienced, which will be hugely beneficial when it comes to filing a claim.

How to Prove Your Psychiatric Injuries

When you do begin the process of filing an insurance claim, one of the first things that you’ll need to do is prove that your injuries were actually caused by the car crash itself. Again – going to a medical professional right away will help a great deal with this. If you haven’t seen a doctor immediately, you should as soon as you can because ICBC is also going to look for any additional explanations that they can find in an effort to deny your claim.

This means that if you have a family history or a personal history of previous psychiatric symptoms, ICBC will insist that the car crash was the “straw that broke the camel’s back” and not the direct cause of what you’re now going through.

In the event that you’re still having difficulties filing your claim, you will likely want to consider obtaining the help of a legal professional in these matters. A lawyer that specializes in personal injury will be able to use medical evidence to help show how your car accident caused your psychological issues and how it continues to negatively impact your life on a daily basis.

They will be able to present your case to ICBC on your behalf, working with the right doctors to not only make sure you’re fairly compensated but also to help make sure you’re getting the right treatment moving forward so your injuries get better, not worse.

Becker, Lavin & Wessler

The immediate aftermath of a car crash can be a complicated time, particularly in terms of what insurance will or will not cover. If you’d like to find out more about whether or not your insurance will cover your psychiatric injury from an auto accident, or if you have any additional questions about personal injury topics, please don’t delay – contact our passionate team at Becker, Lavin & Wessler today.

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