Major vs. Minor Accidents – Differences and Filing a Claim

major accident

If you have been a part of an accident, you surely know that sometimes it appears obvious whether it was a small or a big one. However, in truth, some consequences may appear later and turn out to be more serious than you originally thought.

That’s why you should be aware of the magnitude of your accident and which effects it can have on your life. According to this you can file a claim and receive compensation. To help you stay ahead, here we’ll teach you the main differences between minor and major accidents and tell you details about the claim. So, let’s start!

Differences Between Major and Minor Car Accidents

In its base, a minor accident is the one where there is minimal damage to the property and there are no injured people. Opposite of this, during a major accident, the car is severely crashed and the participants suffer from serious injuries, which can turn into life-threatening ones.

These are long-lasting or even permanent injuries that usually prevent the victims from working again. Because of this they lose their salaries and the ability to live a normal life. Therefore, victims almost always get compensated for major accidents.

Another difference is the fact that the accidents are separated like this only in the media and common language of people. Government agencies, institutions, insurance companies, and the police don’t categorize them like this.

Filing a Claim

Many people think that if it’s a minor accident they were in, they won’t receive compensation. But this is wrong. The right thing to do is to always file a claim and try to get the most out of it. There are many experienced accident attorneys that can help you with this and negotiate with the insurance companies until you receive what you deserve.

However, sometimes it all depends on the law. For starters, when it comes to minor accidents, there are ‘fault’ and ‘no-fault’ states. This means that the compensation you get depends on who was at fault. Thanks to this, the number of claims lowered down in certain states because you get compensated if the blame wasn’t yours. The filing process is faster and easier due to the law, as well. And in most cases everyone that’s not at fault gets supported, only the sum varies.

A big number of states have a limit for no-fault claims. It’s $2.000. And everything above this goes straight to a lawyer to handle. Still, if the damage made in the accident is very high and the consequences are dire, the no-fault claim loses its power and an accident attorney is appointed to take the case to court if needed.

After all of this, a helpful tip is to go to Chicago accident lawyers and ask about your legal rights regarding the accident to make sure you don’t make any mistakes.

Final Thoughts

We hope we showed you how to differentiate minor and major accidents and act accordingly. Also, it’s important to know when you should file a claim and what to expect in the process. Good luck with this! And keep us posted on your experience.

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