Whiplash - need advice

[Tarator]

My wife was rear ended a few days ago. The physical damage to our car is fairly slight, and the person who hit us has offered to pay for the repairs & car rental to avoid going through insurance. However, my wife sufferred a whiplash injury due to the accident. She seems to be better now, but I was wondering:

Would it make sense to go through insurance in case my wife has whiplash injuries that come back in the future? Mainly I am wondering if insurance would help us if in 6 months or 1 year down the line my wife gets problems from the whiplash injury that require physio, etc., or would the insurance just say that the claim is discharged and we're SOL?

[starboy869]

I highly doubt the person that hit you is going to cough up the $ for your wife medical bills and lost wages.

This is a no-brainer

[XtremeModder]

My wife was rear ended a few days ago. The physical damage to our car is fairly slight, and the person who hit us has offered to pay for the repairs & car rental to avoid going through insurance. However, my wife sufferred a whiplash injury due to the accident. She seems to be better now, but I was wondering:

Would it make sense to go through insurance in case my wife has whiplash injuries that come back in the future? Mainly I am wondering if insurance would help us if in 6 months or 1 year down the line my wife gets problems from the whiplash injury that require physio, etc., or would the insurance just say that the claim is discharged and we're SOL?

its not your fault in any way all. Go through insurance, ESPECIALLY if there is a potential injury. Once you settle cash and sign an agreement on it, I don't think you can do anything from there. Besides why take time out of your day getting estimates when it's not your fault. Let their insurance go up, this is why most of us drive responsibly.

I got rear ended 2 years ago, woman was bitching at 3 quotes for $3000 do she asked me to get one more so I went to the reporting centre. The next morning I could barely move. Went to my dr he said I had whiplash, and pretty bad.

Know what happened? Couldn't work for about a month and a half, almost lost my job, and I had physiotherapy and chiropractic appointments for the better part of a year. I'm perfect now but trust me it was one of the worst injuries I've had, felt like a rock hard line from my lower back all the way to thr middle/top. I don't know how else to describe it. Not fun. (I also couldn't sit or stand in the same position for more than 10-15 minutes at a time or the pain would return, and I had to do "modified duties" at work (ie. extremely boring and I felt so unproductive))

Lesson: don't mess around with this, especially when it's not your fault. Btw for the most part 95% of thr time I'm fine. Thr other 5% are sometimes bad days where thr pain comes back but not like how it used to.


Btw, in no way am I suggesting that you get a lawyer and sue for $. I am suggesting that you get your wife to get checked by your doctor if pain persists. Taking corrective actions will hopefully fix a problem in its early stages, why risk making it worse, just get checked, it can't hurt. Btw this is mainly what insurance is for. Guess what that little thing on the insurance policy for 1 and 2 million $ liability comes from. This is partly it! All of us pay too much for insurance, use it now!!!

[pmbpro]

its not your fault in any way all. Go through insurance, ESPECIALLY if there is a potential injury. Once you settle cash and sign an agreement on it, I don't think you can do anything from there. Besides why take time out of your day getting estimates when it's not your fault. Let their insurance go up, this is why most of us drive responsibly.

I got rear ended 2 years ago, woman was bitching at 3 quotes for $3000 do she asked me to get one more so I went to the reporting centre. The next morning I could barely move. Went to my dr he said I had whiplash, and pretty bad.

Know what happened? Couldn't work for about a month and a half, almost lost my job, and I had physiotherapy and chiropractic appointments for the better part of a year. I'm perfect now but trust me it was one of the worst injuries I've had, felt like a rock hard line from my lower back all the way to thr middle/top. I don't know how else to describe it. Not fun. (I also couldn't sit or stand in the same position for more than 10-15 minutes at a time or the pain would return, and I had to do "modified duties" at work (ie. extremely boring and I felt so unproductive))

Lesson: don't mess around with this, especially when it's not your fault. Btw for the most part 95% of thr time I'm fine. Thr other 5% are sometimes bad days where thr pain comes back but not like how it used to.


Btw, in no way am I suggesting that you get a lawyer and sue for $. I am suggesting that you get your wife to get checked by your doctor if pain persists. Taking corrective actions will hopefully fix a problem in its early stages, why risk making it worse, just get checked, it can't hurt. Btw this is mainly what insurance is for. Guess what that little thing on the insurance policy for 1 and 2 million $ liability comes from. This is partly it! All of us pay too much for insurance, use it now!!!

Bingo! I recently had a similar back injury, and I wasn't even in a car accident! I feel your pain for sure.
Starboy869 is also very correct with that post.

Good lawd... The number of times I've heard stories from friends and acquaintances over the years about the other person at fault, offering to "pay up" for "repairs & car rental" (sometimes not even the car rental part!)... There's a reason why they never mention medical bills and/or lost wages.
They sure ain't thinkin' about YOU when they play the fake generosity game...

Go all the way and have everything documented through the proper channels. Even if your wife's injury does not return or escalate, you won't be sorry for doing this the right way.... Good luck and all the best to your wife!

[COSMIC5]

with possible bodily injuries, file a claim with your insurer. Talk to your broker so they can explain what coverage is available if you do.

[fredf]

I'm not going to give you specific medical advice, however, as a physician, let me say that it is very unlikely that there will be any repercussions down the road if she is feeling well now.

In my experience most people with mild whiplash are just fine.

I always groan when there is insurance or a lawyer involved when a patient of mine has a mild whiplash. I can guarantee that the injury will last longer and the disability will be higher whenever there is secondary gain. I'm not suggesting that this would be your case but whiplash is a self limited and mild condition in most cases that recovers just fine.

Get on with your life and don't worry about it.

Just my contrarian $0.02 worth.

[Magoo]

I'm not going to give you specific medical advice, however, as a physician, let me say that it is very unlikely that there will be any repercussions down the road if she is feeling well now.

In my experience most people with mild whiplash are just fine.

I always groan when there is insurance or a lawyer involved when a patient of mine has a mild whiplash. I can guarantee that the injury will last longer and the disability will be higher whenever there is secondary gain. I'm not suggesting that this would be your case but whiplash is a self limited and mild condition in most cases that recovers just fine.

Get on with your life and don't worry about it.

Just my contrarian $0.02 worth.

You say you are not giving specific advice but at the end you still are.

Whether for medical reasons or not, if you get rear ended and get whiplash just go through insurance for peace of mind.

[Busybuyer888]

I'm not going to give you specific medical advice, however, as a physician, let me say that it is very unlikely that there will be any repercussions down the road if she is feeling well now.

In my experience most people with mild whiplash are just fine.

I always groan when there is insurance or a lawyer involved when a patient of mine has a mild whiplash. I can guarantee that the injury will last longer and the disability will be higher whenever there is secondary gain. I'm not suggesting that this would be your case but whiplash is a self limited and mild condition in most cases that recovers just fine.

Get on with your life and don't worry about it.

Just my contrarian $0.02 worth.

+1.

Each person's reaction to an incident is different. For my own experience, I had (very) slight discomfort for a day or two, then normal/nothing. (Minor bumper tap/bump from rear.) So if wife has no issues a day after the tap, it is likely things are fine.

If you are really worried, go to a doctor to have a checkup/incident recorded so you can make a claim later if needed.

[XtremeModder]

I'm not going to give you specific medical advice, however, as a physician, let me say that it is very unlikely that there will be any repercussions down the road if she is feeling well now.

In my experience most people with mild whiplash are just fine.

I always groan when there is insurance or a lawyer involved when a patient of mine has a mild whiplash. I can guarantee that the injury will last longer and the disability will be higher whenever there is secondary gain. I'm not suggesting that this would be your case but whiplash is a self limited and mild condition in most cases that recovers just fine.

Get on with your life and don't worry about it.

Just my contrarian $0.02 worth.

Of course.

There is a big difference when going through insurance hit medical reasons from whiplash and doing the same thing and then with lieing about it and keep getting benefits even when your fine.

Also, some people will convince themselves they're in pain.

Btw mine was not mild and needed the physio and whatnot but like I said earlier, I could barely get out of bed.


OP go to your dr at least and let us know what happens...

[spike1128]

How bad was the rear ender? Which car were you driving?

Yes, need to report it just in case. Settling out of pocket, the other dude will get off scottsfree. I think reporting it to cover your wife potential long term injuries and also sticking it to the other guy. What if the next person he rear ends are one of us on RFD.

[MS MSP]

I'm not going to give you specific medical advice, however, as a physician, let me say that it is very unlikely that there will be any repercussions down the road if she is feeling well now.

In my experience most people with mild whiplash are just fine.

I always groan when there is insurance or a lawyer involved when a patient of mine has a mild whiplash. I can guarantee that the injury will last longer and the disability will be higher whenever there is secondary gain. I'm not suggesting that this would be your case but whiplash is a self limited and mild condition in most cases that recovers just fine.

Get on with your life and don't worry about it.

Just my contrarian $0.02 worth.

thanked