Auto Insurance Claims for Low Speed Low Impact Crashes

Auto insurance claims for accidents that involve a low velocity impact can often be more problematic than full on wrecks. In fact, many auto insurers take a very hard line approach to this type of claim. A low speed low impact crash is defined as one where the accident occurs with speeds of 10mph or less. Because minor damage to a car is sometimes hard to discern, and because personal injuries sustained at these low speeds are hard to detect with X-rays or medical examinations, insurances companies have a take-it-or-leave-it policy with this type of claim. 

Car Damage 

If you have been involved in a low speed low impact car crash and plan to make a first party claim, first off, make sure you take a photo. A car appraisal for damage sustained is also a wise idea. Both of these actions will help your case.

Personal Injury 

Insurance companies are hesitant to offer settlements for personal injury sustained in low speed crashes. This is because, they argue, injuries are not apparent. If you have sustained injuries in this type of accident, hold your ground. You may have to fight for your claim, but if you are truly injured, you deserve a settlement. 

Claims made against your insurance for low speed low impact crashes can be troublesome because insurance companies believe if the injury isn’t extremely evident as seen by an X-ray, it isn’t there. You may face some difficulties getting a settlement, but if you pay for insurance, you have the right to a settlement.