Thursday, September 20, 2012
Antibiotic use aids MRSA spread in hospital and infection control measures do little to prevent it, says hospital study
Antibiotic use aids MRSA spread in hospital and infection control measures do little to prevent it, says hospital study: The use of a commonly prescribed antibiotic is a major contributor to the spread of infection in hospitals by the ‘superbug’ MRSA, according to new research. The study also found that increasing measures to prevent infection – such as improved hygiene and hand washing – appeared to have only a small effect on reducing MRSA infection rates during the period studied.
Olympic Games in Rio 2016: Mathematical formula can predict medal haul, including impact of home advantage
Olympic Games in Rio 2016: Mathematical formula can predict medal haul, including impact of home advantage: Team GB is only likely to clock up 46 medals in the Olympic Games in Rio in 2016, say researchers who used a mathematical formula three years ago to predict performance for London 2012, and came up with a medal haul of 63.
Obese children have less sensitive taste-buds than those of normal weight
Obese children have less sensitive taste-buds than those of normal weight: Obese kids have less sensitive taste-buds than kids of normal weight, new research indicates.
Clenching left hand could help athletes avoid choking under pressure
Clenching left hand could help athletes avoid choking under pressure: Some athletes may improve their performance under pressure simply by squeezing a ball or clenching their left hand before competition to activate certain parts of the brain, according to new research.
Children with autism experience interrelated health issues
Children with autism experience interrelated health issues: A new study found that many children with ASD also experience anxiety, chronic gastrointestinal problems and atypical sensory responses, which are heightened reactions to light, sound or particular textures. These problems appear to be highly related and can have significant effects on children's daily lives, including their functioning at home and in school.
Many parents believe that letting young children taste alcohol discourages later use
Many parents believe that letting young children taste alcohol discourages later use: One in four mothers believe that letting young children taste alcohol may discourage them from drinking in adolescence and 40 percent believe that not allowing children to taste alcohol will only make it more appealing, according to a new study. The finding is noteworthy, the study's authors say, because early introduction to alcohol is a primary risk factor for problem drinking during adolescence.
Video games help patients and health care providers
Video games help patients and health care providers: Video games can be therapeutic and are already beginning to show health-related benefits, new research shows.
Explosions are the main cause of spine injuries to wounded military personnel
Explosions are the main cause of spine injuries to wounded military personnel: Spinal injuries are among the most disabling conditions affecting wounded members of the US military. Yet until recently, the nature of those injuries had not been adequately explored.
Blind people develop accurate mental map by playing 'video' game
Blind people develop accurate mental map by playing 'video' game: Researchers have developed a new "video" game for blind people that can help them learn about a new space using only audio cues.
Emotional neglect in children linked to increased stroke risk later in life
Emotional neglect in children linked to increased stroke risk later in life: Neurological researchers have found that people who were emotionally neglected as children may have a higher risk of stroke in later adulthood.
Reading food labels helps shoppers stay thinner
Reading food labels helps shoppers stay thinner: Shoppers —- particularly women —- who take the time to read food labels are thinner than those who don't.
Ancient tooth may provide evidence of early human dentistry
Ancient tooth may provide evidence of early human dentistry: Researchers may have uncovered new evidence of ancient dentistry in the form of a 6,500-year-old human jaw bone with a tooth showing traces of beeswax filling.
Birth is no reason to go to hospital, review suggests
Birth is no reason to go to hospital, review suggests: A new Cochrane Review concludes that all countries should consider establishing proper home birth services. They should also provide low-risk pregnant women with information enabling them to make an informed choice.
Is magnetic therapy effective for tinnitus?
Is magnetic therapy effective for tinnitus?: Loyola University Medical Center is studying whether a new form of non-invasive magnetic therapy can help people who suffer debilitating tinnitus (ringing in the ears). The therapy, transcranial magnetic stimulation (TMS), sends short pulses of magnetic fields to the brain. TMS has been approved since 2009 for patients who have major depression and have failed at least one antidepressant.
Early menopause associated with increased risk of heart disease, stroke, study suggests
Early menopause associated with increased risk of heart disease, stroke, study suggests: Women who go into early menopause are twice as likely to suffer from coronary heart disease and stroke, new Jresearch suggests. The association holds true in patients from a variety of different ethnic backgrounds, the study found, and is independent of traditional cardiovascular disease risk factors, the scientists say.
Prejudice can cause depression at the societal, interpersonal, and intrapersonal levels
Prejudice can cause depression at the societal, interpersonal, and intrapersonal levels: Although depression and prejudice traditionally fall into different areas of study and treatment, a new article suggests that many cases of depression may be caused by prejudice from the self or from another person. In a new article, experts argue that prejudice and depression are fundamentally connected.
Monday, September 17, 2012
About Auto Injuries
According to the Insurance Research Council, nearly 1/3 of all claimants injured in motor vehicle accidents (MVA's) seek treatment from doctors of chiropractic. This is an impressive number given that the National Safety Council (NSC) has determined there to be more than 12 million MVA's annually involving more than 20 million vehicles.
The reason individuals like yourself choose chiropractic care for treatment of injuries sustained in MVA's is simple - chiropractic care is superior in the treatment of soft tissue injuries, especially of the spine. Since the most common injuries associated with MVA's are sprains and strains of the spinal muscles and ligaments, it's only natural that chiropractic be the treatment of choice.
Many studies have also found individuals injured in MVA's prefer chiropractic care for the treatment of their injuries. One such study evaluated 190 whiplash injury victims and found those who received chiropractic care reported treatment satisfaction of 100%.
(Balla JI, Iansek R. Headaches arising from disorders of the cervical spine. In: Hopkins A, ed. Headache: Problems in Diagnosis and Management. London: WB Saunders; 1988.)
The reason individuals like yourself choose chiropractic care for treatment of injuries sustained in MVA's is simple - chiropractic care is superior in the treatment of soft tissue injuries, especially of the spine. Since the most common injuries associated with MVA's are sprains and strains of the spinal muscles and ligaments, it's only natural that chiropractic be the treatment of choice.
Many studies have also found individuals injured in MVA's prefer chiropractic care for the treatment of their injuries. One such study evaluated 190 whiplash injury victims and found those who received chiropractic care reported treatment satisfaction of 100%.
(Balla JI, Iansek R. Headaches arising from disorders of the cervical spine. In: Hopkins A, ed. Headache: Problems in Diagnosis and Management. London: WB Saunders; 1988.)
Time for Symptoms to Present
Symptoms arising from injuries sustained in motor vehicle accidents were once thought to present immediately following the accident. However, research and clinic experience now demonstrate that a delay of symptom onset seems to be the norm. Also, delay of symptom onset does not eliminate the possibility of severe injury.
Number of Disabilities from Automobile Accidents
Most experts have found that 10 percent of all motor vehicle accident victims become disabled.
Symptom Resolution Statistics
Many studies have found a significant number of individuals to be symptomatic for many months and even years after a motor vehicle accident. In one such study, 75 percent of individuals remained symptomatic 6 months after the accident.
Another study, published in the European Spine Journal, found that during the period of time between the first and second years following a motor vehicle accident over 20 percent actually had their symptoms worsen.
Number of Annual Motor Vehicle Accidents
According to the National Safety Council (NSA), there are more than 12 million motor vehicle accidents annually including more than 20 million vehicles. This results in over 5 million nonfatal accidents annually of which approximately 2 million are disabling injuries including approximately 1 million work-related auto disabling injuries.
Injury Severity in Motor Vehicle Accidents
A 1990 National Highway Traffic Safety Administration (NHTSA) study reported found that about 28 percent of occupants in motor vehicle accidents incur minor to moderate injury while 6 percent incur severe to fatal injuries.
Likelihood of being Involved in a Motor Vehicle Accident
The US Department of Transportation estimates that the typical driver will have a near automobile accident one to two times per month and all will be in a collision of some type on average of every 6 years.
Annual Costs of Motor Vehicle Accidents
According to a report released back in 1993, the total costs for motor vehicle accidents in the US was over $333 billion in 1988.
Who Pays for Injuries Sustained in Motor Vehicle Accidents?
According to the Insurance Research Council,
- 63 percent of injuries are paid by the injured individuals own automobile insurance company
- 55 percent of injuries are paid by the auto insurance company of another vehicle
- 36 percent of injuries are paid by health insurance
- 20 percent of injuries are paid by government programs
- 19 percent of injuries are paid workers' compensation insurance
WHAT TO DO POST-ACCIDENT
Schedule An Appointment If you have been involved in a motor vehicle accident you will need to make an appointment for a brief, but thorough, examination. Often, individuals involved in motor vehicle accidents experience minimal or no symptoms for the first few weeks and even months. It's important to not only receive immediate and appropriate treatment for any injuries sustained, but also to document the extent of the injuries, if present.
Failure to obtain a timely evaluation or appropriate treatment for injuries sustained in a motor vehicle accident may negate your ability to receive monetary compensation for any future medical bills resulting from the accident, negate your ability to receive pain and suffering settlements, and negate compensation for work loss.
We Will Determine...
When you come in, we will determine:
Don't Delay, Call Today!
If you or someone you know has been involved in an accident, call (or have them call) our office immediately. The quicker you receive the care you need, the quicker your injuries will heal and the faster you can get on with your life. Don't delay, call today!
(972)215-7720 |
Neck and Mid Back Pain
Pain can be dull or sharp, boring or burning, constant or intermittent. As the problem progresses, numbness and or tingling can be felt in the upper back, arms and even in to the hands.
NOTE: Many patients who come in for Carpal Tunnel treatment are amazed to find out that the problem is actually a pinching of the nerves in the neck and NOT a wrist or hand problem.
Through careful evaluation of your neck and upper back, we can pinpoint the problem areas and have great success in correcting the CAUSE of our Patients symptoms.
The Docs at North Dallas Chiropractic
Auto/Car Accidents and whiplash and the Necessity of Chiropractic Care
One of the most stressful events in life is dealing with the issues that occur after an auto accident. The first thing a person thinks about after the crash is the car. Most people are not aware that some injuries are not detected for months or even years. Two things result in these situations: an insurance company settles with the victim without compensating for the pain and treatment needed from these undiagnosed injuries, and the injury gets worse over time due to the lack or delay of treatment. It is absolutely imperative that anybody that is in an auto accident immediately go see a Doctor trained in soft tissue injuries. While whiplash is a common injury from auto accidents, another common complaint of crash victims is that they don’t “feel like their normal selves.” They may also experience other symptoms like dizziness, blurry vision, headaches, back pain, muscle stiffness or spasms, neck pain, numbness and tingling, fatigue, difficulty sleeping, irritability, memory loss and difficulty concentrating.
Auto accidents can also cause post-traumatic osteoarthritis. This can damage your posture (producing a slumped or hump back appearance). Osteoarthritis can also cause the discs in the spine to degenerate and create scar tissue formation leading to chronic stiffness.
According to the Insurance Research Council, nearly 1/3 of all claimants injured in motor vehicle accidents seek treatment from doctors of chiropractic. That number is astounding when combined with the fact that the National Safety Council (NSC) has determined there to be more than 12 million accidents annually involving more than 20 million vehicles.
The reason people choose chiropractic care for treatment of injuries sustained in auto accidents is simple – chiropractic care is exceptional in the treatment of soft tissue injuries, especially of the spine. Since the most common injuries associated with these events are sprains and strains of the spinal muscles and ligaments, it’s only natural that chiropractic be the treatment of choice. Chiropractors are the primary care doctors trained specifically in dealing with injuries to the spine.
Much research has also found people injured in auto accidents prefer chiropractic care for the treatment of their injuries. One such study* evaluated 190 whiplash injury victims and found those who received chiropractic care reported treatment satisfaction of 100%.
One major concern individuals that have lived through the experience of an auto accident should be aware of is most medical doctors are not trained to detect the type of soft tissue or joint injury that does not show itself immediately. It is imperative that people involved in auto accidents consult with a doctor who is trained in the biomechanics of the human body; someone who treats these injuries every day.
Often, passengers can be hurt more than a driver, especially if it is a side wreck or T-bone. Children can suffer the same injuries as adults and should be given the same care despite a feeling by the parent that a child can’t be “that injured” if no bones are broken or there is no bruising to the skin. Put it this way: if damage was done to a vehicle that actuallybent metal, the people inside the vehicle surely absorbed that force as well.
Due to our bodies producing adrenaline at the time of an accident, this hormone acts like a natural pain killer and allows us to muster the courage to move through the impact and “take care of business”. As mentioned above, it is often days or weeks later that the full impact of the crash is felt. A trained doctor of chiropractic can be a brilliant source of diagnosis and treatment of soft tissue and joint injuries.
In addition, x-rays or MRI (if indicated) will be used to check for any structural damage. In our office, we routinely evaluate auto accident victims and make any appropriate referrals to other health care providers if necessary. Our primary responsibility is providing the proper care and submitting the required medical reports to the insurance company or attorney (if one is involved) so the rights of the patient are protected.
If we can’t help the patient, we will refer them to a doctor or facility that can. If you have been in an auto accident recently, there are some important decisions you have to make, and it is critical to make the first decision be to be evaluated by a doctor of chiropractic and get under care immediately.
Auto accidents can also cause post-traumatic osteoarthritis. This can damage your posture (producing a slumped or hump back appearance). Osteoarthritis can also cause the discs in the spine to degenerate and create scar tissue formation leading to chronic stiffness.
According to the Insurance Research Council, nearly 1/3 of all claimants injured in motor vehicle accidents seek treatment from doctors of chiropractic. That number is astounding when combined with the fact that the National Safety Council (NSC) has determined there to be more than 12 million accidents annually involving more than 20 million vehicles.
The reason people choose chiropractic care for treatment of injuries sustained in auto accidents is simple – chiropractic care is exceptional in the treatment of soft tissue injuries, especially of the spine. Since the most common injuries associated with these events are sprains and strains of the spinal muscles and ligaments, it’s only natural that chiropractic be the treatment of choice. Chiropractors are the primary care doctors trained specifically in dealing with injuries to the spine.
Much research has also found people injured in auto accidents prefer chiropractic care for the treatment of their injuries. One such study* evaluated 190 whiplash injury victims and found those who received chiropractic care reported treatment satisfaction of 100%.
One major concern individuals that have lived through the experience of an auto accident should be aware of is most medical doctors are not trained to detect the type of soft tissue or joint injury that does not show itself immediately. It is imperative that people involved in auto accidents consult with a doctor who is trained in the biomechanics of the human body; someone who treats these injuries every day.
Often, passengers can be hurt more than a driver, especially if it is a side wreck or T-bone. Children can suffer the same injuries as adults and should be given the same care despite a feeling by the parent that a child can’t be “that injured” if no bones are broken or there is no bruising to the skin. Put it this way: if damage was done to a vehicle that actuallybent metal, the people inside the vehicle surely absorbed that force as well.
Due to our bodies producing adrenaline at the time of an accident, this hormone acts like a natural pain killer and allows us to muster the courage to move through the impact and “take care of business”. As mentioned above, it is often days or weeks later that the full impact of the crash is felt. A trained doctor of chiropractic can be a brilliant source of diagnosis and treatment of soft tissue and joint injuries.
In addition, x-rays or MRI (if indicated) will be used to check for any structural damage. In our office, we routinely evaluate auto accident victims and make any appropriate referrals to other health care providers if necessary. Our primary responsibility is providing the proper care and submitting the required medical reports to the insurance company or attorney (if one is involved) so the rights of the patient are protected.
If we can’t help the patient, we will refer them to a doctor or facility that can. If you have been in an auto accident recently, there are some important decisions you have to make, and it is critical to make the first decision be to be evaluated by a doctor of chiropractic and get under care immediately.
What is Personal Injury Protection?
The Texas Department of Insurance requires automobile insurance carriers in our state to issue all automobile policies it writes at least $2500 worth of coverage and you have this coverage unless you reject it in writing. Most people are unaware of this coverage or even know what it is and therefore very few people use it. You end up paying for coverage that they don’t inform you about and you’re entitled to.
Why? Insurance is not understood and most people rely on their agent and claims adjusters to advise them on what to do after an accident. Insurance is a multi-billion dollar industry and are in business to make money. They keep their costs down, less payout, more profits and bonuses at the end of the year. Good for them and not for you.
What is PIP?
PIP is no fault coverage similar to health insurance but on your auto policy for your injuries and your passengers injuries. This coverage is available regardless who is at fault. Yes, you can be the cause of the accident and you will still be covered. There’s no deductible and no co-payment. There is other separate coverage that will cover the other party if you were at fault. If you do not have PIP then you could still be covered if you were in an accident in another state besides Texas. You may also be covered if you were hit in a crosswalk by a car or on a bicycle or borrowing someone else’s car.
What will a claim do to my insurance rates and policy renewal?
Under section 5.7016 of the Texas insurance code, automobile insurance carriers cannot non-renew you for filing one PIP claim in a 12 month period. Also, it is unlikely that they would raise your rates for a sole PIP claim.
Why doesn’t the other guy’s insurance pay for my medical expenses and why should I use my insurance?
Medical treatment is expensive and you are liable for the costs. There is a chance that the other party may never pay for your medical expenses leaving you a financial burden. PIP gives you peace of mind that your medical bills are covered. If you use your health insurance, you may have to pay a deductible and co-pays to your doctor and if the health insurance finds out that you were in an accident they could request to be reimbursed. Some people get referred to a medical provider by their attorney and the medical provider agrees to be paid months or even years later. Since there are a limited number of medical providers who agree to this arrangement, your choice and quality of healthcare may be limited. The answer is to use your PIP coverage so you will not have to pay for medical expenses out of your pocket and get the best possible healthcare treatment available for you and your family’s injuries caused by the accident.
Why? Insurance is not understood and most people rely on their agent and claims adjusters to advise them on what to do after an accident. Insurance is a multi-billion dollar industry and are in business to make money. They keep their costs down, less payout, more profits and bonuses at the end of the year. Good for them and not for you.
What is PIP?
PIP is no fault coverage similar to health insurance but on your auto policy for your injuries and your passengers injuries. This coverage is available regardless who is at fault. Yes, you can be the cause of the accident and you will still be covered. There’s no deductible and no co-payment. There is other separate coverage that will cover the other party if you were at fault. If you do not have PIP then you could still be covered if you were in an accident in another state besides Texas. You may also be covered if you were hit in a crosswalk by a car or on a bicycle or borrowing someone else’s car.
What will a claim do to my insurance rates and policy renewal?
Under section 5.7016 of the Texas insurance code, automobile insurance carriers cannot non-renew you for filing one PIP claim in a 12 month period. Also, it is unlikely that they would raise your rates for a sole PIP claim.
Why doesn’t the other guy’s insurance pay for my medical expenses and why should I use my insurance?
Medical treatment is expensive and you are liable for the costs. There is a chance that the other party may never pay for your medical expenses leaving you a financial burden. PIP gives you peace of mind that your medical bills are covered. If you use your health insurance, you may have to pay a deductible and co-pays to your doctor and if the health insurance finds out that you were in an accident they could request to be reimbursed. Some people get referred to a medical provider by their attorney and the medical provider agrees to be paid months or even years later. Since there are a limited number of medical providers who agree to this arrangement, your choice and quality of healthcare may be limited. The answer is to use your PIP coverage so you will not have to pay for medical expenses out of your pocket and get the best possible healthcare treatment available for you and your family’s injuries caused by the accident.
Why should i get an attorney after an Auto/Car accident for my injuries?
An attorney helps with all aspects of an auto/car accident claim or injury. They keep an individual from spending countless hours on the phone with insurance adjusters that really don't care about your well being. It also helps to keep stress levels down and allow you to concentrate on recovery and getting well. Our office only works with the best attorneys/lawyers in Dallas/Fort Worth. We have learned through trial and error, who best takes care of our patients. They also make sure that all your medical bills are settled. This allows you to be additionally stress and medical bill free at the end. We also help those who are not able to treat in our office, who are in need of an attorney. We are here to help!!! So don't hesitate in calling and making an appointment to get examined and also ask about scheduling a free consultation with a reputable attorney. You only have one body, so you need to take care of it. Call Today!!! (972)215-7720
Anatomy of Whiplash
When your body is involved in trauma, your neck is one of your most vulnerable areas. Whiplash, the hard and fast forward-backward movement of the neck, can cause pain that can last well after other injuries have healed. To understand why your neck is so sore, it helps to know the anatomy involved.
Whiplash can be a complicated diagnosis as the doctor tries to figure out exactly which parts of the spine have been affected. And there are a lot of complex parts to your cervical spine—the technical name for your neck. The cervical spine begins at the base of the skull. It contains seven small vertebrae (bones), which doctors label C1 to C7 (the 'C' means cervical). The numbers 1 to 7 indicate the level of the vertebrae. C1 is closest to the skull, while C7 is closest to the chest.
In between each vertebra are tough fibrous shock-absorbing pads called the intervertebral discs. (These discs are what slide back and forth during the trauma.) Each disc is made up of a tire-like outer band and a gel-like inner substance. The outer band is called the annulus fibrosus; the inner part is called the nucleus pulposus.
In addition to bones and discs, your cervical spine also includes the upper region of the spinal cord, eight nerve roots, an elaborate system of arteries and veins, 32 muscles for strength, and numerous ligaments. For such a small area, there is a lot to your neck. That means that there are a lot of parts that can be injured when you have whiplash.
Remarkably, the cervical spine supports the full weight of your head, which is usually about 8 pounds—yet no other region of the spine has such freedom of movement. The cervical spine can move your head in nearly every direction: 90° of forward motion, 90° of backward motion, 180° of side to side motion, and almost 120° of tilt to either shoulder.
Unfortunately, this flexibility makes the neck very susceptible to pain and injury, such as whiplash. In whiplash, those 15 pounds are dramatically tossed frontwards then backwards—that's one important reason to wear seatbelts properly and use airbags whenever possible.
spineuniverse.com
Whiplash can be a complicated diagnosis as the doctor tries to figure out exactly which parts of the spine have been affected. And there are a lot of complex parts to your cervical spine—the technical name for your neck. The cervical spine begins at the base of the skull. It contains seven small vertebrae (bones), which doctors label C1 to C7 (the 'C' means cervical). The numbers 1 to 7 indicate the level of the vertebrae. C1 is closest to the skull, while C7 is closest to the chest.
In between each vertebra are tough fibrous shock-absorbing pads called the intervertebral discs. (These discs are what slide back and forth during the trauma.) Each disc is made up of a tire-like outer band and a gel-like inner substance. The outer band is called the annulus fibrosus; the inner part is called the nucleus pulposus.
In addition to bones and discs, your cervical spine also includes the upper region of the spinal cord, eight nerve roots, an elaborate system of arteries and veins, 32 muscles for strength, and numerous ligaments. For such a small area, there is a lot to your neck. That means that there are a lot of parts that can be injured when you have whiplash.
Remarkably, the cervical spine supports the full weight of your head, which is usually about 8 pounds—yet no other region of the spine has such freedom of movement. The cervical spine can move your head in nearly every direction: 90° of forward motion, 90° of backward motion, 180° of side to side motion, and almost 120° of tilt to either shoulder.
Unfortunately, this flexibility makes the neck very susceptible to pain and injury, such as whiplash. In whiplash, those 15 pounds are dramatically tossed frontwards then backwards—that's one important reason to wear seatbelts properly and use airbags whenever possible.
spineuniverse.com
Closed head injury due to Auto accidents
closed head injury from car accident
Closed head injury from car accident incidents occurs when a victim's head violently impacts some internal portion of a vehicle, is struck by a moving object during collision, or strikes any other non-moving object in the course of a motor vehicle accident. Closed brain injury from car accident incidents results in damage to the skull, brain, or scalp, but does not penetrate the skull. Closed head injury from car accident incidents may be difficult to diagnose because there might not be any visible external injury that indicates head trauma.
Closed head injury from car accident injuries that results in brain injury is most commonly known as a concussion. A concussion can range from mild to critical in terms of severity. Concussion closed head injury from car accident incidents can result in a temporary loss of consciousness or coma, or symptoms may not appear for some time after the initial trauma. Bleeding and swelling of the brain can occur from this type of closed head injury from car accident incidents when the brain is violently jolted back and forth in the skull upon impact. Even a mild concussion can result in subtle brain damage.
Brain damage in a closed head injury from car accident incidents can have physical, cognitive, and psychological repercussions. The physical characteristics of a closed head injury from car accident incidents can occur immediately following the initial accident or can worsen in the period following the accident. Physical repercussions of a closed head injury can include: headaches, paralysis, coordination difficulty, weakness, sensory problems, nausea, and difficulty sleeping.
Concussion related brain damage in a closed head injury from car accident incidents can also impede on a victim's cognitive abilities. This can greatly affect one's ability to work or attend school following a car accident. Problems with attention and concentration, difficulty with both short and long term memory functions, trouble reasoning and problem solving, and reduced information processing may all be cognitive impairments that develop after a closed head injury from car accident incidents.
The consequences of a closed head injury from car accident incidents can also intrude on a victim's personal relationships and psychological well being. People who have suffered these types of head injuries may experience changes in their personality. Closed head injury from car accident victims may suffer increased irritability, anxiety, and dis-inhibition. These victims may lack adequate coping mechanisms and social skills as a result of their injuries.
Victims who have suffered closed head injury from car accident incidents may be eligible to seek compensation for their damages if the accident was the result of another party's negligence. This liable party may be another driver or it may be the producers, distributors, or repair people responsible for the defective auto parts that caused the car accident. Victims of closed head injury from car accident incidents can seek compensation for medical expenses, loss of income or earning potential, property damage, and pain and suffering.
Closed head injury from car accident incidents occurs when a victim's head violently impacts some internal portion of a vehicle, is struck by a moving object during collision, or strikes any other non-moving object in the course of a motor vehicle accident. Closed brain injury from car accident incidents results in damage to the skull, brain, or scalp, but does not penetrate the skull. Closed head injury from car accident incidents may be difficult to diagnose because there might not be any visible external injury that indicates head trauma.
Closed head injury from car accident injuries that results in brain injury is most commonly known as a concussion. A concussion can range from mild to critical in terms of severity. Concussion closed head injury from car accident incidents can result in a temporary loss of consciousness or coma, or symptoms may not appear for some time after the initial trauma. Bleeding and swelling of the brain can occur from this type of closed head injury from car accident incidents when the brain is violently jolted back and forth in the skull upon impact. Even a mild concussion can result in subtle brain damage.
Brain damage in a closed head injury from car accident incidents can have physical, cognitive, and psychological repercussions. The physical characteristics of a closed head injury from car accident incidents can occur immediately following the initial accident or can worsen in the period following the accident. Physical repercussions of a closed head injury can include: headaches, paralysis, coordination difficulty, weakness, sensory problems, nausea, and difficulty sleeping.
Concussion related brain damage in a closed head injury from car accident incidents can also impede on a victim's cognitive abilities. This can greatly affect one's ability to work or attend school following a car accident. Problems with attention and concentration, difficulty with both short and long term memory functions, trouble reasoning and problem solving, and reduced information processing may all be cognitive impairments that develop after a closed head injury from car accident incidents.
The consequences of a closed head injury from car accident incidents can also intrude on a victim's personal relationships and psychological well being. People who have suffered these types of head injuries may experience changes in their personality. Closed head injury from car accident victims may suffer increased irritability, anxiety, and dis-inhibition. These victims may lack adequate coping mechanisms and social skills as a result of their injuries.
Victims who have suffered closed head injury from car accident incidents may be eligible to seek compensation for their damages if the accident was the result of another party's negligence. This liable party may be another driver or it may be the producers, distributors, or repair people responsible for the defective auto parts that caused the car accident. Victims of closed head injury from car accident incidents can seek compensation for medical expenses, loss of income or earning potential, property damage, and pain and suffering.
There's still hope even if the Auto/Car Accident was your fault!
Personal Injury Protection (PIP)
The Texas Department of Insurance requires automobile insurance carriers in our state to issue all automobile policies it writes at least $2500 worth of coverage and you have this coverage unless you reject it in writing. Most people are unaware of this coverage or even know what it is and therefore very few people use it. You end up paying for coverage that they don’t inform you about and you’re entitled to.
Why? Insurance is not understood and most people rely on their agent and claims adjusters to advise them on what to do after an accident. Insurance is a multi-billion dollar industry and are in business to make money. They keep their costs down, less payout, more profits and bonuses at the end of the year. Good for them and not for you.
What is PIP?
PIP is no fault coverage similar to health insurance but on your auto policy for your injuries and your passengers injuries. This coverage is available regardless who is at fault. Yes, you can be the cause of the accident and you will still be covered. There’s no deductible and no co-payment. There is other separate coverage that will cover the other party if you were at fault. If you do not have PIP then you could still be covered if you were in an accident in another state besides Texas. You may also be covered if you were hit in a crosswalk by a car or on a bicycle or borrowing someone else’s car.
What will a claim do to my insurance rates and policy renewal?
Under section 5.7016 of the Texas insurance code, automobile insurance carriers cannot non-renew you for filing one PIP claim in a 12 month period. Also, it is unlikely that they would raise your rates for a sole PIP claim.
Why doesn’t the other guy’s insurance pay for my medical expenses and why should I use my insurance?
Medical treatment is expensive and you are liable for the costs. There is a chance that the other party may never pay for your medical expenses leaving you a financial burden. PIP gives you peace of mind that your medical bills are covered. If you use your health insurance, you may have to pay a deductible and co-pays to your doctor and if the health insurance finds out that you were in an accident they could request to be reimbursed. Some people get referred to a medical provider by their attorney and the medical provider agrees to be paid months or even years later. Since there are a limited number of medical providers who agree to this arrangement, your choice and quality of healthcare may be limited. The answer is to use your PIP coverage so you will not have to pay for medical expenses out of your pocket and get the best possible healthcare treatment available for you and your family’s injuries caused by the accident.
The Texas Department of Insurance requires automobile insurance carriers in our state to issue all automobile policies it writes at least $2500 worth of coverage and you have this coverage unless you reject it in writing. Most people are unaware of this coverage or even know what it is and therefore very few people use it. You end up paying for coverage that they don’t inform you about and you’re entitled to.
Why? Insurance is not understood and most people rely on their agent and claims adjusters to advise them on what to do after an accident. Insurance is a multi-billion dollar industry and are in business to make money. They keep their costs down, less payout, more profits and bonuses at the end of the year. Good for them and not for you.
What is PIP?
PIP is no fault coverage similar to health insurance but on your auto policy for your injuries and your passengers injuries. This coverage is available regardless who is at fault. Yes, you can be the cause of the accident and you will still be covered. There’s no deductible and no co-payment. There is other separate coverage that will cover the other party if you were at fault. If you do not have PIP then you could still be covered if you were in an accident in another state besides Texas. You may also be covered if you were hit in a crosswalk by a car or on a bicycle or borrowing someone else’s car.
What will a claim do to my insurance rates and policy renewal?
Under section 5.7016 of the Texas insurance code, automobile insurance carriers cannot non-renew you for filing one PIP claim in a 12 month period. Also, it is unlikely that they would raise your rates for a sole PIP claim.
Why doesn’t the other guy’s insurance pay for my medical expenses and why should I use my insurance?
Medical treatment is expensive and you are liable for the costs. There is a chance that the other party may never pay for your medical expenses leaving you a financial burden. PIP gives you peace of mind that your medical bills are covered. If you use your health insurance, you may have to pay a deductible and co-pays to your doctor and if the health insurance finds out that you were in an accident they could request to be reimbursed. Some people get referred to a medical provider by their attorney and the medical provider agrees to be paid months or even years later. Since there are a limited number of medical providers who agree to this arrangement, your choice and quality of healthcare may be limited. The answer is to use your PIP coverage so you will not have to pay for medical expenses out of your pocket and get the best possible healthcare treatment available for you and your family’s injuries caused by the accident.
When your body is involved in trauma, your neck is one of your most vulnerable areas. Whiplash, the hard and fast forward-backward movement of the neck, can cause pain that can last well after other injuries have healed. To understand why your neck is so sore, it helps to know the anatomy involved.
Whiplash can be a complicated diagnosis as the doctor tries to figure out exactly which parts of the spine have been affected. And there are a lot of complex parts to your cervical spine—the technical name for your neck. The cervical spine begins at the base of the skull. It contains seven small vertebrae (bones), which doctors label C1 to C7 (the 'C' means cervical). The numbers 1 to 7 indicate the level of the vertebrae. C1 is closest to the skull, while C7 is closest to the chest.
In between each vertebra are tough fibrous shock-absorbing pads called the intervertebral discs. (These discs are what slide back and forth during the trauma.) Each disc is made up of a tire-like outer band and a gel-like inner substance. The outer band is called the annulus fibrosus; the inner part is called the nucleus pulposus.
In addition to bones and discs, your cervical spine also includes the upper region of the spinal cord, eight nerve roots, an elaborate system of arteries and veins, 32 muscles for strength, and numerous ligaments. For such a small area, there is a lot to your neck. That means that there are a lot of parts that can be injured when you have whiplash.
Remarkably, the cervical spine supports the full weight of your head, which is usually about 8 pounds—yet no other region of the spine has such freedom of movement. The cervical spine can move your head in nearly every direction: 90° of forward motion, 90° of backward motion, 180° of side to side motion, and almost 120° of tilt to either shoulder.
Unfortunately, this flexibility makes the neck very susceptible to pain and injury, such as whiplash. In whiplash, those 15 pounds are dramatically tossed frontwards then backwards—that's one important reason to wear seatbelts properly and use airbags whenever possible.
spineuniverse.com
Whiplash can be a complicated diagnosis as the doctor tries to figure out exactly which parts of the spine have been affected. And there are a lot of complex parts to your cervical spine—the technical name for your neck. The cervical spine begins at the base of the skull. It contains seven small vertebrae (bones), which doctors label C1 to C7 (the 'C' means cervical). The numbers 1 to 7 indicate the level of the vertebrae. C1 is closest to the skull, while C7 is closest to the chest.
In between each vertebra are tough fibrous shock-absorbing pads called the intervertebral discs. (These discs are what slide back and forth during the trauma.) Each disc is made up of a tire-like outer band and a gel-like inner substance. The outer band is called the annulus fibrosus; the inner part is called the nucleus pulposus.
In addition to bones and discs, your cervical spine also includes the upper region of the spinal cord, eight nerve roots, an elaborate system of arteries and veins, 32 muscles for strength, and numerous ligaments. For such a small area, there is a lot to your neck. That means that there are a lot of parts that can be injured when you have whiplash.
Remarkably, the cervical spine supports the full weight of your head, which is usually about 8 pounds—yet no other region of the spine has such freedom of movement. The cervical spine can move your head in nearly every direction: 90° of forward motion, 90° of backward motion, 180° of side to side motion, and almost 120° of tilt to either shoulder.
Unfortunately, this flexibility makes the neck very susceptible to pain and injury, such as whiplash. In whiplash, those 15 pounds are dramatically tossed frontwards then backwards—that's one important reason to wear seatbelts properly and use airbags whenever possible.
spineuniverse.com
EXTREMITY PAIN, NUMBNESS and TINGLING
Extremity symptoms such as arm and hand pain, numbness and tingling are common following motor vehicle accidents (MVA's). They are caused by thoracic outlet syndrome, myofascial adhesions, muscular trigger points, and spinal disc lesions. It's important to note that these symptoms are commonly not experienced until weeks or even months after the injury. A study, published in the Britain Journal of Rheumatology, involved 37 motor vehicle injury patients and found 35% had an onset of arm and hand symptoms (upper extremity symptoms) beyond 3 months of the accident.
This reinforces the need for proper and full treatment of MVA injuries. Failure to receive appropriate treatment (where injured tissues are fully healed and tissue functioning is adequately restored) is a major contributor to the development of these symptoms.
This reinforces the need for proper and full treatment of MVA injuries. Failure to receive appropriate treatment (where injured tissues are fully healed and tissue functioning is adequately restored) is a major contributor to the development of these symptoms.
Why an MVA can't always be Measured as to the extent of injury, But the Insurance company will try for their own Gain
Dynamic Chiropractic – January 15, 2010, Vol. 28, Issue 02
Study Confirms Flaws in Standard MVC Defense Strategy
By Arthur Croft, DC, MS, MPH, FACO
The seemingly complex, or perhaps even inscrutable, calculus of what practitioners term personal injury is, in truth, deceptively simple. However, while it keeps getting simpler, many practitioners and lawyers feel hopelessly wrapped around the axle of this puzzling system. The net result is abandonment of needful patients and clients, with a corresponding loss of revenue stream. Consider just a few facts. Motor vehicle collisions are a leading cause of injury in the U.S. and constitute one of our most burdensome public health dilemmas. With 3 million such injuries each year, a total recovery proportion of only about 50 percent, a permanent disability proportion of 10-12 percent, coupled with the fact that many of the injured are young and have many quality life years to lose, the $43 billion annual price tag is hardly surprising.1
Auto insurers make every reasonable effort to insulate themselves from their liability. Some would argue that they engage in efforts most of us would consider unreasonable, if not downright unsavory or unethical. Regardless of your personal judgment, most would agree that over the past two decades, the insurers’ concerted and very expensive campaign to limit claims has been fairly successful.
With Allstate taking the vanguard position with their now-famous three Ds – delay, deny, and defend – most major auto insurers have since instituted similar policies, and the plaintiff persona-injury bar has more often withered than weathered. With a loss of potential legal representation, plaintiffs have had fewer alternatives for compensation. This often has meant that needed health care resources are simply not available to them, which contributes further to the doleful outcome statistics mentioned above. Since inaugurating its get-tough policy in the mid-1990s, which was described by its consulting firm as a transition “from good hands to boxing gloves,” Allstate has reportedly posted surprising high profits.2 Other insurers have not failed to notice.
The Standard Defense and the Importance of Delta V
How could any of this possibly be simple? One need look no further than the essential game plan of most defense lawyers: deception, dissimilation and obfuscation. It requires a team of experts from the fields of medicine (including chiropractic), accident reconstruction and biomechanics who have collectively developed what I consider to be the standard defense strategy. It continues to be the most successful and widely used strategy today, having become the world standard.
This has fostered a small research industry dedicated to the production of pro-defense literature to aid in the cause. Most is junk science. Make no mistake, insurers have the best researchers money can buy and they know how to get published. As a result, even many clinicians remain split on critical issues depending on which brand of literature they rely upon. I note, with all due respect to the Insurance Institute for Highways Safety (IIHS) and members of the International Insurance Whiplash Protection Group (IIWPG), that their research activities are quite laudatory and most welcome. However, there is just a bit of schizophrenia in this industry when it comes to research. While the valid research of the IIHS and the IIWPG is squarely aimed at reducing the industry payout problem by reducing the number of actual injuries, the “other” research seems to be aimed at providing verisimilitude for company experts to wield in courtrooms to sway jurors toward defense theories.
The standard defense has three parts and is based on the ultimate playing field: a court of law, and, in particular, the biases and naivete (i.e., the normal lack of specific factual information in the field of crash traumatology) of jurors. Polls suggest that Americans are also divided on the question of whiplash injuries. As many as 60-70 percent consider it either definitively or very likely a non-injury, but merely an opportunity to bilk insurers at the expense of the rest of us policy-holders who subsidize the system through the increasing premiums we must pay. Thus, jurors are easily misled by the standard defense strategy because it merely reinforces that which they already believe.
The first and most fundamental part of this strategy is to demonstrate that the forces of the collision would not have been of a sufficient magnitude to cause injury. The common currency for this discussion is the plaintiff vehicle’s delta V or change in velocity. For this, an accident reconstructionist is usually employed. Because reconstructionists are rarely allowed to provide opinions as to injury risk, they are often followed by a biomechanist, who is granted more latitude to venture into the discussion of injury risk. In some cases, they are allowed to consider medical records, MRIs, etc., in forming their opinions. Finally, the defense physician (DC, DO or MD) adds the icing to the cake, testifying that either there was no injury or that there was a minor straining-type injury that has long since resolved.
When pre-existing conditions are present, the plaintiff’s complaints are often attributed to them rather than the injury. Company doctors will typically also be of the opinion that a large portion of the medical expenses claimed by the plaintiff are unnecessary, unreasonable,and represent unwarranted treatment and diagnostics. Note that low back injuries are virtually never admitted to be causally related to low-velocity collisions. I have written a paper on this subject which is available upon e-mail request at drcroft@san.rr.com .3
As I have so many times implored readers – and this fact is never contested even by my small army of industry-affiliated detractors – the entire defense mechanism just described is nothing more than a series of interlocking nonsequiturs. The accident reconstructions and biomechanists provide a very polished and seemingly airtight argument based on what appear to be sound mathematical principles and classical Newtonian physics. This is all very interesting, and would be even more so if it had the additional virtue of being true.
Delta V Not a Valid Gauge of Injury Risk?
But figures don’t always add up, which brings me back to the headline of this article. A new study that provides further compelling evidence that delta V, the keystone in the standard defense strategy, is not a valid gauge of injury risk.4 The authors recruited a total of 57 people within 48 hours of their MVCs. The subjects were recruited either from an engineer’s office for vehicle damage assessment or an ER. The whiplash grades ranged from 0-4 (0 indicating no claimed injury and 4 indicating fracture). The collision types included 13 frontal, 21 rear, 19 side, three multiple crashes and one rollover. There were 25 males and 32 females with a median age of 33.
In all cases a trained engineer determined the delta V by examining both crash vehicles. The VAS and Neck Disability Indexes (NDI) scores were tabulated. The authors found no significant correlation between NDI and delta V, no correlation between whiplash grade and delta V, and only a moderate correlation between VAS reported pain and delta V. However, the R2 value (coefficient of determination) for that correlation was only 0.30, which means that 70 percent of the proportion of the variability of pain severity was not explained by differences in delta V.
There was no lower threshold below which a large proportion would predictably not be injured, nor was there an upper threshold above which most would predictably be injured. This was because some people were injured in very low velocity crashes while others were not injured despite fairly high velocity crashes. The authors commented, “It can be concluded that delta V is an irrelevant predictive value for cervical spine injury after MVA [motor vehicle accident].”
Some specific findings include the following: Cervical spine fractures in frontal crashes occurred in delta Vs of 9.3, 19.9 and 31.1 mph. Fractures in side impacts occurred in delta Vs of 6.2 (z-joint fracture of C4), 9.9 (C7 with dislocation of C6-7), 19.9 (z-joint fracture of C2), 31.1 (C5 fracture with C5-6 dislocation and paraplegia), 32.3 (rupture of alar ligaments), 36.0 (atlantoaxial dislocation) and 36.6 mph (rupture of alar ligaments). There was a dens fracture in the one rollover with the delta V reported as 9.3 mph. This article is available for free download at www.ncbi.nlm.nih.gov/pmc/articles/PMC2657117.
A related component of the standard defense strategy is the property damage issue. Specifically, the argument goes, when the property damage is minor, an injury is very unlikely. We addressed this issue earlier in a meta-analysis of medical and engineering literature dating back as far as 1970 that failed to provide a clear link between property damage and any of three outcomes: risk for acute injury, degree of injury severity and risk for long-term symptoms.5 As I always caution readers, this lack of correlation considers the genre of collisions producing property damage that would be described as minor or non-severe. Clearly, when crash severity increases beyond this, there is an increased risk for injury or death.
A related interesting paper by Viano and Parenteau demonstrated that more than 60 percent of the National Automotive Sampling System case database for rear impacts are for crashes with delta Vs of under 15 mph. They noted, “In very low speed crashes, advanced age, stenosis and degeneration of the cervical spinal canal can lead to spinal cord injury and paralysis in crashes otherwise not causing injury in normal adults.”6 I would also note that it has been demonstrated rather conclusively that human variables (i.e., risk factors) are more determinative vis-a-vis injury risk than crash metrics in the lower crash-severity range.
In the end, when essential parts of the foundation of the defense strategy are tested, they repeatedly fail to hold up to the scrutiny of hard science. In a court of law, however, if the plaintiff and their experts cannot effectively present the real facts and rebut the junk science, 12 impressionable jurors will decide the outcome of the case based on their perception of the soundness of the arguments they heard. The simple fact is that more often than not, the plaintiff and their witnesses are simply not adequately prepared. Knowledge is power and information is the currency of success.
References
Zaloshnja E, Miller T, Council F, Persaud B. Comprehensive and human capital crash costs by maximum police-reported injury severity within selected crash types. Annu Proc Assoc Adv Automot Med, 2004;48:251-63.
Berardinelli DJ. From Good Hands to Boxing Gloves: The Dark Side of Insurance. Portland: Trial Guides, LLC, 2008.
Croft AC. Low back injuries in low velocity rear impact collisions. Forum, 2009;39(4):33-7.
Elbel M, Kramer M, Huber-Lang M, et al. Deceleration during “real life” motor vehicle collisions: a sensitive predictor for the risk of sustaining a cervical spine injury? Patient Saf Surg, 2009;3(1):5.
Croft AC, Freeman MD. Correlating crash severity with injury risk, injury severity, and long-term symptoms in low velocity motor vehicle collisions. Medical Science Monitor, 2005;11(10):RA316-21.
Viano DC, Parenteau CS. Serious injury in very low and very high speed rear impacts. SAE, 2008;2008-01-1485.
Study Confirms Flaws in Standard MVC Defense Strategy
By Arthur Croft, DC, MS, MPH, FACO
The seemingly complex, or perhaps even inscrutable, calculus of what practitioners term personal injury is, in truth, deceptively simple. However, while it keeps getting simpler, many practitioners and lawyers feel hopelessly wrapped around the axle of this puzzling system. The net result is abandonment of needful patients and clients, with a corresponding loss of revenue stream. Consider just a few facts. Motor vehicle collisions are a leading cause of injury in the U.S. and constitute one of our most burdensome public health dilemmas. With 3 million such injuries each year, a total recovery proportion of only about 50 percent, a permanent disability proportion of 10-12 percent, coupled with the fact that many of the injured are young and have many quality life years to lose, the $43 billion annual price tag is hardly surprising.1
Auto insurers make every reasonable effort to insulate themselves from their liability. Some would argue that they engage in efforts most of us would consider unreasonable, if not downright unsavory or unethical. Regardless of your personal judgment, most would agree that over the past two decades, the insurers’ concerted and very expensive campaign to limit claims has been fairly successful.
With Allstate taking the vanguard position with their now-famous three Ds – delay, deny, and defend – most major auto insurers have since instituted similar policies, and the plaintiff persona-injury bar has more often withered than weathered. With a loss of potential legal representation, plaintiffs have had fewer alternatives for compensation. This often has meant that needed health care resources are simply not available to them, which contributes further to the doleful outcome statistics mentioned above. Since inaugurating its get-tough policy in the mid-1990s, which was described by its consulting firm as a transition “from good hands to boxing gloves,” Allstate has reportedly posted surprising high profits.2 Other insurers have not failed to notice.
The Standard Defense and the Importance of Delta V
How could any of this possibly be simple? One need look no further than the essential game plan of most defense lawyers: deception, dissimilation and obfuscation. It requires a team of experts from the fields of medicine (including chiropractic), accident reconstruction and biomechanics who have collectively developed what I consider to be the standard defense strategy. It continues to be the most successful and widely used strategy today, having become the world standard.
This has fostered a small research industry dedicated to the production of pro-defense literature to aid in the cause. Most is junk science. Make no mistake, insurers have the best researchers money can buy and they know how to get published. As a result, even many clinicians remain split on critical issues depending on which brand of literature they rely upon. I note, with all due respect to the Insurance Institute for Highways Safety (IIHS) and members of the International Insurance Whiplash Protection Group (IIWPG), that their research activities are quite laudatory and most welcome. However, there is just a bit of schizophrenia in this industry when it comes to research. While the valid research of the IIHS and the IIWPG is squarely aimed at reducing the industry payout problem by reducing the number of actual injuries, the “other” research seems to be aimed at providing verisimilitude for company experts to wield in courtrooms to sway jurors toward defense theories.
The standard defense has three parts and is based on the ultimate playing field: a court of law, and, in particular, the biases and naivete (i.e., the normal lack of specific factual information in the field of crash traumatology) of jurors. Polls suggest that Americans are also divided on the question of whiplash injuries. As many as 60-70 percent consider it either definitively or very likely a non-injury, but merely an opportunity to bilk insurers at the expense of the rest of us policy-holders who subsidize the system through the increasing premiums we must pay. Thus, jurors are easily misled by the standard defense strategy because it merely reinforces that which they already believe.
The first and most fundamental part of this strategy is to demonstrate that the forces of the collision would not have been of a sufficient magnitude to cause injury. The common currency for this discussion is the plaintiff vehicle’s delta V or change in velocity. For this, an accident reconstructionist is usually employed. Because reconstructionists are rarely allowed to provide opinions as to injury risk, they are often followed by a biomechanist, who is granted more latitude to venture into the discussion of injury risk. In some cases, they are allowed to consider medical records, MRIs, etc., in forming their opinions. Finally, the defense physician (DC, DO or MD) adds the icing to the cake, testifying that either there was no injury or that there was a minor straining-type injury that has long since resolved.
When pre-existing conditions are present, the plaintiff’s complaints are often attributed to them rather than the injury. Company doctors will typically also be of the opinion that a large portion of the medical expenses claimed by the plaintiff are unnecessary, unreasonable,and represent unwarranted treatment and diagnostics. Note that low back injuries are virtually never admitted to be causally related to low-velocity collisions. I have written a paper on this subject which is available upon e-mail request at drcroft@san.rr.com .3
As I have so many times implored readers – and this fact is never contested even by my small army of industry-affiliated detractors – the entire defense mechanism just described is nothing more than a series of interlocking nonsequiturs. The accident reconstructions and biomechanists provide a very polished and seemingly airtight argument based on what appear to be sound mathematical principles and classical Newtonian physics. This is all very interesting, and would be even more so if it had the additional virtue of being true.
Delta V Not a Valid Gauge of Injury Risk?
But figures don’t always add up, which brings me back to the headline of this article. A new study that provides further compelling evidence that delta V, the keystone in the standard defense strategy, is not a valid gauge of injury risk.4 The authors recruited a total of 57 people within 48 hours of their MVCs. The subjects were recruited either from an engineer’s office for vehicle damage assessment or an ER. The whiplash grades ranged from 0-4 (0 indicating no claimed injury and 4 indicating fracture). The collision types included 13 frontal, 21 rear, 19 side, three multiple crashes and one rollover. There were 25 males and 32 females with a median age of 33.
In all cases a trained engineer determined the delta V by examining both crash vehicles. The VAS and Neck Disability Indexes (NDI) scores were tabulated. The authors found no significant correlation between NDI and delta V, no correlation between whiplash grade and delta V, and only a moderate correlation between VAS reported pain and delta V. However, the R2 value (coefficient of determination) for that correlation was only 0.30, which means that 70 percent of the proportion of the variability of pain severity was not explained by differences in delta V.
There was no lower threshold below which a large proportion would predictably not be injured, nor was there an upper threshold above which most would predictably be injured. This was because some people were injured in very low velocity crashes while others were not injured despite fairly high velocity crashes. The authors commented, “It can be concluded that delta V is an irrelevant predictive value for cervical spine injury after MVA [motor vehicle accident].”
Some specific findings include the following: Cervical spine fractures in frontal crashes occurred in delta Vs of 9.3, 19.9 and 31.1 mph. Fractures in side impacts occurred in delta Vs of 6.2 (z-joint fracture of C4), 9.9 (C7 with dislocation of C6-7), 19.9 (z-joint fracture of C2), 31.1 (C5 fracture with C5-6 dislocation and paraplegia), 32.3 (rupture of alar ligaments), 36.0 (atlantoaxial dislocation) and 36.6 mph (rupture of alar ligaments). There was a dens fracture in the one rollover with the delta V reported as 9.3 mph. This article is available for free download at www.ncbi.nlm.nih.gov/pmc/articles/PMC2657117.
A related component of the standard defense strategy is the property damage issue. Specifically, the argument goes, when the property damage is minor, an injury is very unlikely. We addressed this issue earlier in a meta-analysis of medical and engineering literature dating back as far as 1970 that failed to provide a clear link between property damage and any of three outcomes: risk for acute injury, degree of injury severity and risk for long-term symptoms.5 As I always caution readers, this lack of correlation considers the genre of collisions producing property damage that would be described as minor or non-severe. Clearly, when crash severity increases beyond this, there is an increased risk for injury or death.
A related interesting paper by Viano and Parenteau demonstrated that more than 60 percent of the National Automotive Sampling System case database for rear impacts are for crashes with delta Vs of under 15 mph. They noted, “In very low speed crashes, advanced age, stenosis and degeneration of the cervical spinal canal can lead to spinal cord injury and paralysis in crashes otherwise not causing injury in normal adults.”6 I would also note that it has been demonstrated rather conclusively that human variables (i.e., risk factors) are more determinative vis-a-vis injury risk than crash metrics in the lower crash-severity range.
In the end, when essential parts of the foundation of the defense strategy are tested, they repeatedly fail to hold up to the scrutiny of hard science. In a court of law, however, if the plaintiff and their experts cannot effectively present the real facts and rebut the junk science, 12 impressionable jurors will decide the outcome of the case based on their perception of the soundness of the arguments they heard. The simple fact is that more often than not, the plaintiff and their witnesses are simply not adequately prepared. Knowledge is power and information is the currency of success.
References
Zaloshnja E, Miller T, Council F, Persaud B. Comprehensive and human capital crash costs by maximum police-reported injury severity within selected crash types. Annu Proc Assoc Adv Automot Med, 2004;48:251-63.
Berardinelli DJ. From Good Hands to Boxing Gloves: The Dark Side of Insurance. Portland: Trial Guides, LLC, 2008.
Croft AC. Low back injuries in low velocity rear impact collisions. Forum, 2009;39(4):33-7.
Elbel M, Kramer M, Huber-Lang M, et al. Deceleration during “real life” motor vehicle collisions: a sensitive predictor for the risk of sustaining a cervical spine injury? Patient Saf Surg, 2009;3(1):5.
Croft AC, Freeman MD. Correlating crash severity with injury risk, injury severity, and long-term symptoms in low velocity motor vehicle collisions. Medical Science Monitor, 2005;11(10):RA316-21.
Viano DC, Parenteau CS. Serious injury in very low and very high speed rear impacts. SAE, 2008;2008-01-1485.
The Truth About Low Speed Auto Accidents
Low Speed Auto Accidents
Thousands of car accidents occur everyday. And every day thousands are injured. Researchers note that the majority of auto accident injury claims occur at relatively low speeds of about 12 mph or less.Car Accident Disputes
This causes tremendous disputes between injured parties and the insurance companies that are responsible for compensating them for their car accident claim. To insurers, there really is no speed at which they want to admit an injury could occur. For economic reasons they try to dismiss whiplash or car accident injuries entirely, as if they don’t exist.
Thanks to recent irrefutable research studies proving the existence and exact mechanism of whiplash car injuries, insurers are hard pressed to try the “whiplash is a hoax” defense nearly as much as in the past.
A more recent tactic is to claim the speed of the collision is too low to cause injury. Enter the “low speed collision” or “slow speed collision” defense. The defense often relies on their insured’s reports of how fast they were going when they ran into the back of the other party-obviously biased data.
Other times photographs of the vehicle damage is used to show a low speed car accident. Often, the photographs are shown to an Accident Reconstructionist who by merely looking at photographic damage of a car crash then renders an opinion on how fast the vehicles were traveling. They will even go so far to make statements such as “the evidence suggests there was insufficient force to cause human bodily injury…” This would be laughable if it didn’t cause so many problems for injured car accident victims. By the way, in most states Auto Crash Reconstructionists are only allowed to testify or ender an expert opinion as to vehicle damage. They are not trained to determine bodily injury.
The Truth
Here are but a few facts concerning motor vehicle injuries and their relationship to speed with supporting scientific evidence.
Three different studies (Panjabi, Panjabi and Cholewicki and Kaneoka) proved the mechanism by which the neck is injured by a rear impact force simulating a car accident. [1], [2], [3] The studies involved simulating a rear impact collision on live human test subjects and recording the results with cineradiography (high speed motion x-rays). The researchers found that the neck was injured by deforming into an “S- shaped” configuration within fractions of a second of the impact before the occupant is aware of the impact and before reflexes can protect them. All three of these studies found that this physical event occurred at speeds as low as 2.5 mph. In other words, when they simulated car crashes sufficient to cause the head to move in relationship to the body at a rate of 2.5 mph, injuries were recorded.
The radiographically proven human threshold for injury in a rear impact auto accident therefore is 2.5 mph. Other authors have disputed these figures and some insurance company sponsored studies have found the threshold to be closer to 5 mph.
For the sake of argument, let’s stipulate that the 5 mph threshold is correct. It still means that a collision of only 5 mph can cause damage to the neck.
Freeman et. al. in Spine, Vol. 23, Number 9, 1998, p. 1046 shows the damage thresholds for many cars. This is the minimum speed required to cause the car to show visible signs of damage. The smallest, lightest vehicle listed was the 1980 Toyota Tercel, which required a collision of 8.1 mph to become damaged. On the other end of the spectrum was the 1989 Chevrolet Citation, which required 12.7 mph. A Ford F-250 pick up required 11.7 mph.
Cars built today are equipped with rear bumpers designed not to show any damage below 5 mph. In an attempt to reduce repair costs shouldered by insurance companies, crash standards were adopted to mandate rear bumpers must withstand a 5 mph collision into a fixed barrier (wall, pole, etc) without any visible evidence of damage. It should be noted that this standard involves testing of “vehicle to barrier” crashes not “vehicle to vehicle” testing.
Hitting a pole as in “vehicle to barrier” testing yields more damage at lower speeds. The barrier does not move or absorb any energy.
In “vehicle to vehicle” crashes where the bumpers line up well, it takes considerably more force to cause visible bumper damage than a 5 mph collision. Some tests have shown that cars could be crashed repeatedly at 20 mph and not show outer damage. In a “vehicle to vehicle” crash it is estimated that the minimum speed to cause visible damage is approximately 15 mph.
What happens to the occupant in these collisions is what matters. If you are backing up in a parking lot and run into a pole at 6 mph. You will feel a crunch and a bump. You’ll be startled and upset about your bumper, but it is unlikley you’ll be injured.
On the other hand, if you are stopped in a parking lot waiting for a space and another vehicle strikes you at 12 mph (the average speed of a car in a parking lot) you will likely feel a tremendous jolt, hear a loud bang and your car will be pushed forward a few feet. It is probable that your neck will be injured, although it may not show up for hours or days, but your bumper may not even show a dent.
In the first scenario all the energy of the crash was absorbed by the bumper. In the second, some of the energy was bled off into the two vehicles, but much of it was transmitted into your body causing your neck to deform into the “S” configuration resulting in injury.
Another consideration is that while a bumper may look undamaged from the outside after a collision, inside under the skin, the foam or plastic may be crushed or cracked. This is not seen from the outside, so photographs would make it appear as if no damage was sustained. Still further, the bumper may appear intact, but on unibody vehicles, the unibody may be bent or deformed by a collision. This may not be apparent and some auto repair facilities may miss it.
So what does this mean? It means that if you are rear-ended and your bumper is cracked, dented, or misplaced at all, your collision involved speeds in excess of 15 mph. That’s 3 times the human threshold for injury if we use the 5 mph figure. In reality, the proven threshold is only 2.5 mph, so a collision of 15 mph is 6 times the threshold for injury.
Now let’s say your vehicle sustained no visible damage, but your neck hurts after the collision. Does that mean you weren’t really injured? No. It means that the vehicle’s threshold for damage was not exceeded. The impact could have been 10 mph. Too low for bumper damage, but still 4 times the threshold for human injury.
In a low speed collision, the kinetic forces that are transferred from the other vehicle into your vehicle are not dampened or bled off by your bumper. Instead, the force is transmitted through the vehicle, into your seat and to your neck resulting in injury. If your body or neck are jolted or jerked by the impact, an injury could occur.
Another aspect to consider is if your vehicle is moved forward by the impact. An average car weighs close to 4,000 lbs. Let’s say you are hit from behind and your car is pushed forward a few feet, but shows no signs of bumper damage. Is it possible to be hurt? Yes, of course. The force required to move a stationary 4,000 lb object is tremendous. Can you walk up to a car sitting at a red light with its brakes on and shove it forward even an inch? Not likely. A collision that is strong enough to propel a car forward by even inches is plenty enough force to cause a whiplash injury.
So, as you have now learned, there really shouldn’t be any dispute on whether a low speed car accident collision can cause injuries. It has been scientifically proven by several studies. It is also a fact that the speed required to cause bodily injury is quite low, a scant 2.5 mph. It has also been shown that any accident that causes damage to the rear bumper is likely to cause injuries and even in accidents where there is no outward physical damage to the vehicle, there may still be sufficient forces involved to cause bodily injuries.
References
Panjabi MM, Grauer JN (1997): “Whiplash produces a S-shape curvature of the neck with hyperextension at lower levels. ” Spine 22 (21): 2489-94.
Panjabi MM, Cholewicki J, Nibu K, Grauer JN, Babat LB, Dvorak J, Bar HF (1998-12-01): “[Biomechanics of whiplash injury].” Orthopade 1998 Dec; 27(12): 813-9.
Koji Kaneoka, Koshiro Ono, Satoshi Inami and Koichiro Hayashi (99-04-15). “Motion analysis of cervical vertebrae during whiplash loading.” Spine 24(8): 763-770
Characteristics of Specific Automobile Bumpers in Low Velocity Impacts, SAE 940916
Disc Problems
Disc problems can occur from traumatic incidents like Auto accidents, sports injuries and slips and falls. These seem obvious to most.
However, many disc problems can be related to multiple micro-traumas over a long period of time. Types of work, hobbies, sports, exercise and lifestyle can all be contributing factors.
Combine one of the above with a traumatic incident and it’s easy to see that disc problems are not uncommon.
The best way to know if you have a problem in your disc is to have an MRI done of the area of complaint.
The good news is that an MRI will show exactly where and how big the "herniation” or bulge is."
The bad news is that it is an expensive test.
In our office we use X-Ray and orthopedic/ neurological tests to determine if a disc problem may exist.
Whether you use MRI technology or not the answer is almost always the same--CONSERVATIVE CHIROPRACTIC CARE to start. As long as you are progressing well as most of our patients do, an MRI is usually not needed. For the patients with more complicating factors a referral will be made for an MRI or other more detailed tests.
A combination of conservative safe Chiropractic care and therapies such as neck (cervical) and low back (lumbar) traction, or painless muscle stimulation with hot or cold packs can go a long way in controlling the symptoms of disc problems.
We are also always happy to read your MRI report for you in "plain English."
The Docs at North Dallas Chiropractic
However, many disc problems can be related to multiple micro-traumas over a long period of time. Types of work, hobbies, sports, exercise and lifestyle can all be contributing factors.
Combine one of the above with a traumatic incident and it’s easy to see that disc problems are not uncommon.
The best way to know if you have a problem in your disc is to have an MRI done of the area of complaint.
The good news is that an MRI will show exactly where and how big the "herniation” or bulge is."
The bad news is that it is an expensive test.
In our office we use X-Ray and orthopedic/ neurological tests to determine if a disc problem may exist.
Whether you use MRI technology or not the answer is almost always the same--CONSERVATIVE CHIROPRACTIC CARE to start. As long as you are progressing well as most of our patients do, an MRI is usually not needed. For the patients with more complicating factors a referral will be made for an MRI or other more detailed tests.
A combination of conservative safe Chiropractic care and therapies such as neck (cervical) and low back (lumbar) traction, or painless muscle stimulation with hot or cold packs can go a long way in controlling the symptoms of disc problems.
We are also always happy to read your MRI report for you in "plain English."
The Docs at North Dallas Chiropractic
HEADACHES
Headaches are the second most common complaint following motor vehicle accidents (MVA's). Like the many other MVA symptoms, headache may not be present immediately following the accident and may take several weeks and often months to eventually surface. Most post-traumatic headaches are thought to originate from the soft tissues and facet joints of the neck as well as injury or irritation to the nerves of the upper cervical spine.
The literature has shown there to be multiple types of headaches which can be experienced following a MVA. These include the following:
The literature has shown there to be multiple types of headaches which can be experienced following a MVA. These include the following:
- Cervicogenic Headaches
- Muscle Tension Headaches
- Migraine Headaches
- Myofascial Trigger Point Headaches
- Site-Of-Impact Headaches
- Drug-Induced Headaches (following excessive or prolonged analgesic use)
Anatomy of Whiplash
When your body is involved in trauma, your neck is one of your most vulnerable areas. Whiplash, the hard and fast forward-backward movement of the neck, can cause pain that can last well after other injuries have healed. To understand why your neck is so sore, it helps to know the anatomy involved.
Whiplash can be a complicated diagnosis as the doctor tries to figure out exactly which parts of the spine have been affected. And there are a lot of complex parts to your cervical spine—the technical name for your neck. The cervical spine begins at the base of the skull. It contains seven small vertebrae (bones), which doctors label C1 to C7 (the 'C' means cervical). The numbers 1 to 7 indicate the level of the vertebrae. C1 is closest to the skull, while C7 is closest to the chest.
In between each vertebra are tough fibrous shock-absorbing pads called the intervertebral discs. (These discs are what slide back and forth during the trauma.) Each disc is made up of a tire-like outer band and a gel-like inner substance. The outer band is called the annulus fibrosus; the inner part is called the nucleus pulposus.
In addition to bones and discs, your cervical spine also includes the upper region of the spinal cord, eight nerve roots, an elaborate system of arteries and veins, 32 muscles for strength, and numerous ligaments. For such a small area, there is a lot to your neck. That means that there are a lot of parts that can be injured when you have whiplash.
Remarkably, the cervical spine supports the full weight of your head, which is usually about 8 pounds—yet no other region of the spine has such freedom of movement. The cervical spine can move your head in nearly every direction: 90° of forward motion, 90° of backward motion, 180° of side to side motion, and almost 120° of tilt to either shoulder.
Unfortunately, this flexibility makes the neck very susceptible to pain and injury, such as whiplash. In whiplash, those 15 pounds are dramatically tossed frontwards then backwards—that's one important reason to wear seatbelts properly and use airbags whenever possible.
spineuniverse.com
Whiplash can be a complicated diagnosis as the doctor tries to figure out exactly which parts of the spine have been affected. And there are a lot of complex parts to your cervical spine—the technical name for your neck. The cervical spine begins at the base of the skull. It contains seven small vertebrae (bones), which doctors label C1 to C7 (the 'C' means cervical). The numbers 1 to 7 indicate the level of the vertebrae. C1 is closest to the skull, while C7 is closest to the chest.
In between each vertebra are tough fibrous shock-absorbing pads called the intervertebral discs. (These discs are what slide back and forth during the trauma.) Each disc is made up of a tire-like outer band and a gel-like inner substance. The outer band is called the annulus fibrosus; the inner part is called the nucleus pulposus.
In addition to bones and discs, your cervical spine also includes the upper region of the spinal cord, eight nerve roots, an elaborate system of arteries and veins, 32 muscles for strength, and numerous ligaments. For such a small area, there is a lot to your neck. That means that there are a lot of parts that can be injured when you have whiplash.
Remarkably, the cervical spine supports the full weight of your head, which is usually about 8 pounds—yet no other region of the spine has such freedom of movement. The cervical spine can move your head in nearly every direction: 90° of forward motion, 90° of backward motion, 180° of side to side motion, and almost 120° of tilt to either shoulder.
Unfortunately, this flexibility makes the neck very susceptible to pain and injury, such as whiplash. In whiplash, those 15 pounds are dramatically tossed frontwards then backwards—that's one important reason to wear seatbelts properly and use airbags whenever possible.
spineuniverse.com
Symptoms of Whiplash
Whiplash is a term used most often to describe the symptoms resulting from a car accident. A victim of whiplash may experience any or all of these symptoms:
* Headaches
* Pain in the shoulders
* Pain between the shoulder blades
* Pain in one or both arms
* Fatigue
* Dizziness
* Vision problems
* Ringing in the ears (tinnitus)
* Poor concentration or memory
* Neck pain/stiffness
* Tight and/or sore muscles
* Tenderness in the muscles
* Low back pain
* Sleep disturbance
* Loss of motion in the neck
It's Best to See a Doctor
Even without symptoms, it is a very good idea to see a doctor in the case of a car accident. There can be damage without symptoms, or there can be delayed symptoms. Your doctor can help to determine the location and extent of the damage and develop an appropriate treatment plan.
According to a study done in 2006 at the Medical College of Wisconsin, whiplash due to a rear end collision can be prevented with positioning of the head close to the headrest
* Headaches
* Pain in the shoulders
* Pain between the shoulder blades
* Pain in one or both arms
* Fatigue
* Dizziness
* Vision problems
* Ringing in the ears (tinnitus)
* Poor concentration or memory
* Neck pain/stiffness
* Tight and/or sore muscles
* Tenderness in the muscles
* Low back pain
* Sleep disturbance
* Loss of motion in the neck
It's Best to See a Doctor
Even without symptoms, it is a very good idea to see a doctor in the case of a car accident. There can be damage without symptoms, or there can be delayed symptoms. Your doctor can help to determine the location and extent of the damage and develop an appropriate treatment plan.
According to a study done in 2006 at the Medical College of Wisconsin, whiplash due to a rear end collision can be prevented with positioning of the head close to the headrest
WHAT IF I WAS IN AN AUTO/CAR ACCIDENT ? What do I Do?!
Unfortunately, studies show that most of us will be in an auto accident at some point in our lives. The only question remaining, is how bad will it be?
The following are important things to remember if you are involved in an auto accident:
1. Seek treatment as soon as possible.
If there is a chance you may be seriously hurt, you should go to the Emergency room at your local hospital. There they can rule out fractures and life threatening injuries.
2. If you are still experiencing pain and discomfort a few days to a couple weeks later, than you should come to our office to find out if you have any structural damage.
NOTE: The longer you wait after an accident to come to our office, typically the longer it takes to get you better.
3. Most auto insurance companies have what is calledPersonal injury Protection/Med Pay. This means that your bills will be paid up to 100% up to a certain limit. Our office can check that for you.
4. If the accident was not your fault. The other party's auto insurance should cover your health care expenses in our office. We do all of the paperwork for you.
5. At the accident scene, get as much information on the other driver or drivers as possible. An accident report by Police is always helpful, but not required to have a case.
6. You should never settle with an insurance company before you have had us evaluate your injury for you. If you settle before your injury is fully resolved, you will be completely on your own and will have to pay out of pocket for your care.
7.Dealing with insurance companies can be difficult after an auto accident. We have a number of reputable and highly qualified Attorneys who we can refer you to for a complimentary consultation. Hiring a reputable Attorney essentially takes you out of the direct bargaining process with the insurance company and all the paperwork and phone calls associated with that and lets you concentrate on healing.
8. Injuries sustained after a car-accident if left untreated can lead to spinal degeneration and a host of other problems for years to come.
FINAL NOTE: We find that many people involved in an auto accident that WAS THEIR FAULT never get treatment.
This tends to be due to the fear that their insurance will go up after a claim is filed.
Your PIP (Personal Injury Protection) is why you have auto insurance in the first place.
Many insurance companies will not raise your rates after 1 or even 2 accidents in the same year.
THE INJURIES SUSTAINED IN AN AUTOMOBILE ACCIDENT CAN CAUSE A HOST OF PROBLEMS FOR YEARS TO COME, OR EVEN THE REST OF YOUR LIFE.
YOU OWE IT TO YOURSELF TO COME IN AND GET CHECKED.
Call our office today at (972) 215-7720.
Personal Injury Protection (PIP)
The Texas Department of Insurance requires automobile insurance carriers in our state to issue all automobile policies it writes at least $2500 worth of coverage and you have this coverage unless you reject it in writing. Most people are unaware of this coverage or even know what it is and therefore very few people use it. You end up paying for coverage that they don’t inform you about and you’re entitled to.
Why? Insurance is not understood and most people rely on their agent and claims adjusters to advise them on what to do after an accident. Insurance is a multi-billion dollar industry and are in business to make money. They keep their costs down, less payout, more profits and bonuses at the end of the year. Good for them and not for you.
What is PIP?
PIP is no fault coverage similar to health insurance but on your auto policy for your injuries and your passengers injuries. This coverage is available regardless who is at fault. Yes, you can be the cause of the accident and you will still be covered. There’s no deductible and no co-payment. There is other separate coverage that will cover the other party if you were at fault. If you do not have PIP then you could still be covered if you were in an accident in another state besides Texas. You may also be covered if you were hit in a crosswalk by a car or on a bicycle or borrowing someone else’s car.
What will a claim do to my insurance rates and policy renewal?
Under section 5.7016 of the Texas insurance code, automobile insurance carriers cannot non-renew you for filing one PIP claim in a 12 month period. Also, it is unlikely that they would raise your rates for a sole PIP claim.
Why doesn’t the other guy’s insurance pay for my medical expenses and why should I use my insurance?
Medical treatment is expensive and you are liable for the costs. There is a chance that the other party may never pay for your medical expenses leaving you a financial burden. PIP gives you peace of mind that your medical bills are covered. If you use your health insurance, you may have to pay a deductible and co-pays to your doctor and if the health insurance finds out that you were in an accident they could request to be reimbursed. Some people get referred to a medical provider by their attorney and the medical provider agrees to be paid months or even years later. Since there are a limited number of medical providers who agree to this arrangement, your choice and quality of healthcare may be limited. The answer is to use your PIP coverage so you will not have to pay for medical expenses out of your pocket and get the best possible healthcare treatment available for you and your family’s injuries caused by the accident.
The following are important things to remember if you are involved in an auto accident:
1. Seek treatment as soon as possible.
If there is a chance you may be seriously hurt, you should go to the Emergency room at your local hospital. There they can rule out fractures and life threatening injuries.
2. If you are still experiencing pain and discomfort a few days to a couple weeks later, than you should come to our office to find out if you have any structural damage.
NOTE: The longer you wait after an accident to come to our office, typically the longer it takes to get you better.
3. Most auto insurance companies have what is calledPersonal injury Protection/Med Pay. This means that your bills will be paid up to 100% up to a certain limit. Our office can check that for you.
4. If the accident was not your fault. The other party's auto insurance should cover your health care expenses in our office. We do all of the paperwork for you.
5. At the accident scene, get as much information on the other driver or drivers as possible. An accident report by Police is always helpful, but not required to have a case.
6. You should never settle with an insurance company before you have had us evaluate your injury for you. If you settle before your injury is fully resolved, you will be completely on your own and will have to pay out of pocket for your care.
7.Dealing with insurance companies can be difficult after an auto accident. We have a number of reputable and highly qualified Attorneys who we can refer you to for a complimentary consultation. Hiring a reputable Attorney essentially takes you out of the direct bargaining process with the insurance company and all the paperwork and phone calls associated with that and lets you concentrate on healing.
8. Injuries sustained after a car-accident if left untreated can lead to spinal degeneration and a host of other problems for years to come.
FINAL NOTE: We find that many people involved in an auto accident that WAS THEIR FAULT never get treatment.
This tends to be due to the fear that their insurance will go up after a claim is filed.
Your PIP (Personal Injury Protection) is why you have auto insurance in the first place.
Many insurance companies will not raise your rates after 1 or even 2 accidents in the same year.
THE INJURIES SUSTAINED IN AN AUTOMOBILE ACCIDENT CAN CAUSE A HOST OF PROBLEMS FOR YEARS TO COME, OR EVEN THE REST OF YOUR LIFE.
YOU OWE IT TO YOURSELF TO COME IN AND GET CHECKED.
Call our office today at (972) 215-7720.
Personal Injury Protection (PIP)
The Texas Department of Insurance requires automobile insurance carriers in our state to issue all automobile policies it writes at least $2500 worth of coverage and you have this coverage unless you reject it in writing. Most people are unaware of this coverage or even know what it is and therefore very few people use it. You end up paying for coverage that they don’t inform you about and you’re entitled to.
Why? Insurance is not understood and most people rely on their agent and claims adjusters to advise them on what to do after an accident. Insurance is a multi-billion dollar industry and are in business to make money. They keep their costs down, less payout, more profits and bonuses at the end of the year. Good for them and not for you.
What is PIP?
PIP is no fault coverage similar to health insurance but on your auto policy for your injuries and your passengers injuries. This coverage is available regardless who is at fault. Yes, you can be the cause of the accident and you will still be covered. There’s no deductible and no co-payment. There is other separate coverage that will cover the other party if you were at fault. If you do not have PIP then you could still be covered if you were in an accident in another state besides Texas. You may also be covered if you were hit in a crosswalk by a car or on a bicycle or borrowing someone else’s car.
What will a claim do to my insurance rates and policy renewal?
Under section 5.7016 of the Texas insurance code, automobile insurance carriers cannot non-renew you for filing one PIP claim in a 12 month period. Also, it is unlikely that they would raise your rates for a sole PIP claim.
Why doesn’t the other guy’s insurance pay for my medical expenses and why should I use my insurance?
Medical treatment is expensive and you are liable for the costs. There is a chance that the other party may never pay for your medical expenses leaving you a financial burden. PIP gives you peace of mind that your medical bills are covered. If you use your health insurance, you may have to pay a deductible and co-pays to your doctor and if the health insurance finds out that you were in an accident they could request to be reimbursed. Some people get referred to a medical provider by their attorney and the medical provider agrees to be paid months or even years later. Since there are a limited number of medical providers who agree to this arrangement, your choice and quality of healthcare may be limited. The answer is to use your PIP coverage so you will not have to pay for medical expenses out of your pocket and get the best possible healthcare treatment available for you and your family’s injuries caused by the accident.
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