Insurance Companies Downplay Your Injuries, but Neck & Back Injuries Can Be Debilitating For Life
Insurance Companies save money by labeling people. For example, if their insured rear ends your vehicle on the road, and you go to the doctor and are diagnosed with a muscle strain in your neck or lower back, they label it a “soft tissue” injury, not worthy of medical care. If your car was damaged but not declared a total loss, they label the collision a “minor impact.” They do not care what pain you are in, what medical treatment helps you get back to your daily life, or whether or not you have suffered lost wages. They just repeat “minor impact, soft tissue” as a justification for not taking accountability for the damages their insured has caused you. They even have an acronym for these cases, “MISTI,” or Minor Impact Soft Tissue Injury.
Insurance companies will repeat these labels all the way to a jury trial. The insurance company will hire a lawyer to repeat the labels to an unsuspecting jury, and they will hire dubious medical experts to repeat the labels under the guise of “objective testimony.” All of this is done to simply save insurance companies money.
Unfortunately for these insurance companies, their lawyers, and their deceptive experts, the medical community has determined that soft tissue injuries due to automobile collisions, even with minor property damage, can result in life long disability.
Some recent articles in 2008 and 2009 studied the injuries associated with the term “whiplash” used in the motor vehicle collision context, and the long term ramifications of such injuries. The studies state: According to an extensive review of whiplash injury, the structures most likely to be injured in whiplash were the facet capsule, the intervertebral discs and the upper cervical ligaments. It was estimated that the annual incidence was 3.8 per thousand populations in the US. A proportion of victims will be left with a significant disability that may interfere with jobs, everyday activities, and leisure-time pursuits. Most studies on the natural history of whiplash injuries have suggested a proportion between 6% and 18% with long-term disability.”
Ivancic, P. C., Ito, S., Tominaga, Y., Rubin, W., Coe, M. P., Ndu, A. B.,…Panjabi, M. M. (2008). Whiplash causes increased laxity of cervical capsular ligament. Clinical Biomechanics, 23(2), 159-165.
Chen, H. B., Yang, K. H., & Wang, Z. G. (2009). Biomechanics of whiplash injury. Chinese Journal of Traumatology, 12(5), 305-314.
A car accident caused by someone else’s recklessness on the road could cause you medical and financial damages for months, years, or even a lifetime. Neck and back injuries are among the most common—and serious injuries in all types of vehicle collisions. Often times, the extent of injuries caused by a car collision are not evident for several days. Whether your specific injuries are immediately painful and debilitating, or have the potential to worsen over time, the compensation you receive may well depend on the skill and experience of the lawyer you choose to represent you. Don’t let the insurance company stick you with labels. Hold them accountable under Texas law.
Dedicated, Trial-Proven Lawyers Representing Texas Auto Accident Victims
Experienced Austin car accident attorneys at The Cagle Law Firm have successfully taken numerous car accident cases through trial across Texas and in other states. We are exceptionally equipped to prove fault and liability for any type of crash, including those involving motorcycles and commercial trucks.
Our legal team attacks each individual case from multiple perspectives — carefully assessing victims’ medical needs and the total impact on their lives as well as legal and insurance factors. We go the distance to obtain every dollar available under the law to help our clients recover. You can count on direct personal attention and aggressive legal representation if you are coping with, for example:
- A herniated or ruptured disk, cervical or vertebral fracture or other injury that may; require surgery or extensive physical rehabilitation;
- Serious whiplash injuries that may cause neurological problems as well as physical pain, physical impairment, and disability in the future; and,
- Catastrophic spinal cord injuries resulting in quadriplegia, paraplegia and other paralysis.
Call Austin Car Accident and Injury Attorneys You Can Trust
After being injured in a car accident, sometimes the victims and family agree to accept a quick, inadequate insurance settlement, only to realize the full impact of medical bills and inability to work later on. Please do not take this risk. Instead, contact The Cagle Law Firm, P.C., as soon as you can for a free consultation focused on your needs, your rights and your legal options.