About Auto Injuries

cle 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

Almost 60 percent of those injured reported to have used 2 or more sources of payment.
 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: the extent of the injury or injuries the number of estimated treatments required to treat your injuries if referral to another medical specialist is required if special tests are required (i.e. MRI, CT Scan, etc.) if you need to take "injury time off" from work (and provide you with a note to present to your employer) whether obtaining legal representation may be in your best interests (and recommend some excellent attorneys) 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

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 actually bent 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.

When your body is involved in trauma, your neck is one of your most vulnerable areas.

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

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.

What is 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.

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:

• Cervicogenic Headaches
• Muscle Tension Headaches
• Migraine Headaches
• Myofascial Trigger Point Headaches
• Site-Of-Impact Headaches
• Drug-Induced Headaches (following excessive or prolonged analgesic use)

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.