If you have been injured in a car accident in Chicago, recovering your losses will most likely mean filing an insurance claim. In Illinois, auto insurance provides fault-based compensation for auto accident victims’ injuries (with the exception of optional personal injury protection (PIP) or “MedPay” insurance, which provides a modest amount of “no-fault” coverage); and, if you have been seriously injured, you may be entitled to substantial compensation from the at-fault driver’s insurer.
In Illinois, auto insurance covers all types of car accident injuries. Regardless of the nature and the extent of your injuries, if another driver (or some other third party) was at fault in the accident, you are entitled to just compensation for all of your accident-related losses. The following are 10 of the most-common types of auto accident-related injuries that are covered by auto insurance:
Broken bones are common injuries in auto accidents, and the forces involved in a collision can easily be enough to compromise the largest bones in the human body. Broken arms, legs, fingers, toes, ribs, clavicles (collar bones), and other bones are all common, with fractures varying in type and severity depending on the specific cause involved. Types of bone fractures that can result from car accidents include:
Burns can result from contact with objects that become hot due to friction during a crash, from airbag explosions, and from fires. Burns vary in severity, with the most-severe burns often requiring multiple surgical treatments and a long-term recovery process, and with many people experiencing permanent scarring and chronic pain and suffering. The degrees of burns that can result from car accidents are:
Injuries to the face can result from flying debris, blunt-force impact with a hard object (such as a dashboard or the back of a seat), the impact of an inflating airbag, and various other factors. Injuries to the eyes, ears, nose, jaw, cheekbones, and other facial structures are all common, with injuries including fractures, burns, soft tissue damage, and damage to the inner structures of the eyes and ears.
Neck injuries are among the most-common complaints after car accidents; and, despite its portrayal in movies and on television, whiplash is a very real – and very painful – injury. Individuals diagnosed with whiplash and other neck injuries will often face long and slow recoveries, and they may need to miss a significant amount of time from work until their injuries are fully healed. For more information on whiplash from car accidents, you can read:
Losing a digit or limb is an extremely traumatic experience and one that, for most people, is completely unimaginable. Yet, these types of injuries often result from car accidents, leaving victims to cope with the resulting pain, mental anguish, and physical limitations for the rest of their lives.
In many cases, loss of a digit or limb occurs during the car accident itself. A driver’s or passenger’s arm, hand, finger, leg, foot, or toe may be severed by broken glass or sheared metal, or it may be lost due to being pinched or crushed between objects. In other cases, amputation may be necessary due to the extent of the internal damage sustained during the collision.
While our bodies protect our organs pretty well, our bodies are simply no match for the extreme forces involved in a vehicle collision. Car accidents can cause damage to all of the internal organs, including:
Depending on the extent of the damage caused, full recovery may or may not be possible, and organ function may or may not be fully restored. Surgery may be necessary, as may temporary or long-term use of assistive medical devices. Organ damage can cause various types of psychical limitations as well, and complications and other consequences can range from loss of fertility to renal failure.
In addition to suffering from severe and potentially life-changing physical injuries, car accident victims will often suffer from various forms of psychological harm and emotional loss as well. Being involved in a car accident can be a traumatizing experience, and the psychological effects of physical injuries – including being unable to work, feeling uncomfortable in public, and being unable to spend meaningful time with friends and family – can impact car accident victims for the rest of their lives. After a car accident, it is not unusual for injured drivers and passengers to experience psychological harm and emotional losses including:
The muscles, ligaments, and tendons in the body are collectively referred to as “soft tissue.” In a car accident, soft tissue injuries can result from lacerations and severe blunt-force impacts, and they can also result from twisting, stretching, compression, and contortion of the body leading to sprains, strains, and tears.
While minor sprains and strains will usually heal on their own, deep lacerations, tears, and other types of soft tissue injuries may require surgery. Soft tissue injuries can occur in all parts of the body, with injuries to the extremities and the neck being among the most common.
Spinal cord injuries range broadly in nature and severity, from herniated discs that can heal over time to spinal fractures that result in total and permanent paralysis. The financial costs of spinal cord injuries can easily reach into the hundreds of thousands or millions of dollars.
Along with traumatic brain injuries, spinal cord injuries are among the greatest risks associated with being involved in a vehicle collision. Back pain and stiffness are usually among the earliest symptoms (when a back injury does not result in immediate immobility), and anyone experiencing these symptoms in the days or weeks following a crash should seek medical attention immediately.
Similar to spinal cord injuries, there are many different types of traumatic brain injuries (TBI), and these injuries can vary greatly in their immediate and long-term effects. That said, there is no such thing as a “minor” brain injury, and anyone who has experienced the symptoms of a TBI should seek medial attention right away. Types of traumatic brain injuries that can result from car accidents include:
If you have been injured in a car accident in Chicago and you would like more information about your legal rights, we encourage you to contact us for a free, no-obligation consultation. To discuss your insurance claim with one of our experienced attorneys, call 888-625-6265 or tell us about your accident online now.
Malman Law’s founder Attorney Steven Malman has over 30 years of experience handling personal injury, nursing home, medical malpractice, truck accidents, car accidents, premises liability, construction, and workers’ compensation cases in Chicago, IL.
Years of experience: +30 years
Illinois Registration Status: Active and authorized to practice law—Last Registered Year: 2023