According to biologists at the Max Planck Institute for Evolutionary Anthropology, humans have an instinctual desire to cooperate and be polite. Additionally, we want to avoid stigmatized behavior so that we are not ostracized by others. When thinking about social stigmas surrounding personal injury, many people don't consider themselves the "lawsuit type."
As the old saying goes, you catch more bees with honey than vinegar. It's understandable that you want to avoid the perception of being rude or greedy, especially in a trying time after a car accident, but you should be aware of why personal injury claims are an option after an accident and how a claim can benefit you after an accident.
Why a claim is okay
A personal injury claim or a "tort" is a way for one person to seek compensation from another for wrongful individual actions. After a car accident, the driver who is responsible for the accident could receive a ticket for speeding or texting while driving, but won't make up for the actual cost of their actions.
While criminal proceedings are intended to make up for the wrongs against the public, torts are a way for individuals to make it right amongst each other. If you believe that a person should be held responsible for the actions in a car accident, then you can understand why a claim can be useful in achieving justice.
How a claim benefits victims
Personal injury claims help victims achieve justice by covering the costs associated with an accident. According to the Insurance Research Council, cost of an accident is rising, and costs can vary depending on circumstances including:
- Damage to vehicle and personal property: $3,000
- Injury: $15,000
- Death of a loved one: $1 million
Additionally, victims are often left to cover an estimated 20 percent of the costs out-of-pocket.
The good news is that the monetary value of a personal injury claim doesn't just cover the costs of insurance deductibles, car repairs and hospital bills. You can also earn compensation for lost income due to missed time at work and pain and suffering due to changes in your quality of life.
It's about recovery
While many people say that they aren't the "lawsuit type," just as many do believe in achieving justice and the best recovery possible after an accident. Indeed, justice and recovery are the positives you can look for when pursuing a personal injury claim.