Car Insurance Claims

How Will a Pre-Existing Condition Affect My Car Insurance Claim?

Pre-existing conditions present a challenge when you’ve been in a car accident. Sometimes the pre-existing condition is unaffected, but more of the time the condition is either aggravated or worsened.

Insurance company’s standard response when you have a preexisting condition is that your injuries were not caused by the crash. The insurance company might deny your claim completely or significantly discount how much it is willing to pay for your claim. While they know the cause of an injury is not clear cut, and aggravation of a preexisting condition can be painful or disabling, they try to take advantage of this to save money.

Pre-existing conditions come in various forms. They might be a prior injury, from another accident, or some disease or disorder of the body. In either case, regardless of how well you were doing immediately before the car accident, the insurance company will claim that your current injury is just a manifestation of the old injury or condition. We often see this when people have arthritis, degenerative disk disease (DDD), or musculoskeletal pains.

Your doctors, or hired experts, will determine the extent a car accident aggravated your pre-existing condition, or if the accident created a new injury. They review all past medical records and physical examinations.

Interestingly, you might not have known you had a pre-existing condition until it was discovered after the car accident. This is not uncommon with DDD. DDD is a disease that develops slowly over time; the accident did not cause it. What changes is that it now becomes symptomatic. The person who caused the car accident should be responsible for your pain and new symptoms. They should be responsible for any aggravation of a pre-existing condition.

How Do I Prove The Car Accident Caused My Pre-Existing Condition to Get Worse?

Many types of pre-existing conditions don’t allow an easy way of showing how it was before versus after a crash. This is especially true when you have multiple car crashes in a short period of time. Most of the time, the only differentiator is your report of symptoms, which is difficult to verify or compare to prior symptom reports. Some injuries, like a slipped disks or bone fractures, can be seen on imaging studies and compared to prior imaging studies; however, not many people have prior imaging to compare. In those cases, we rely on your symptom reporting, your doctors’ documentation of your care and treatment before and after the crash, and anything else that objectively shows a change in your condition.

Your credibility and the credibility of your treating doctors is important. This means you must be honest when asked about pre-existing conditions, any prior complaints or problems, and their severity. You should not exaggerate or downplay symptoms. Whether talking to your doctor, your lawyer, family, friends, co-workers, insurance adjusters, defense-paid experts, or insurance defense lawyers, honesty is the best policy. Ultimately, a jury will determine based on all the evidence if your pre-existing condition was aggravated or worsened; if so, to what degree; and how much you should be compensated. Credibility and likability go a long way.