Help Filing a Claim After a Car Accident in Kansas City

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Auto Accident Chiropractor Near Me - Filing a Bodily Injury Claim

The Importance of Filing a Bodily Injury Claim

If you've been involved in a car accident in Kansas City, filing a bodily injury claim is critical to protecting your health, finances, and future. A bodily injury claim seeks compensation for medical expenses, lost wages, pain and suffering, and other damages caused by the accident. Whether your accident happened in Kansas or Missouri, starting the claims process quickly can make a major difference in the success of your case.

Bodily injury claims are typically filed against the at-fault driver's insurance company. This is different from property damage claims, which only cover repairs to your vehicle. Filing a bodily injury claim allows you to seek compensation for the physical and emotional effects of the crash — and having detailed medical documentation is essential.

When you file a bodily injury claim after a car accident, the insurance company will investigate your injuries, your medical treatment, and the cause of the accident. It’s important to seek medical care immediately, follow your treatment plan closely, and avoid any "gaps in care," which can weaken your case.

By choosing an experienced auto accident chiropractor in Kansas City, you create a clear, consistent record of your injuries, symptoms, and medical needs — strengthening your claim and helping you pursue the full compensation you deserve.

What Happens When You File a Bodily Injury Claim

Worried About Filing an Injury Claim? Here’s What They Might Not Tell You

Many accident victims hesitate to file a claim because they fear higher premiums, pushback from insurance, or the hassle of dealing with adjusters. Here's what you need to know.

1. Filing a Claim Doesn’t Mean You’re Suing Anyone

A bodily injury claim isn’t a lawsuit—it’s a request for coverage through the at-fault party’s insurance or your own policy. This can help with medical expenses, lost wages, and necessary treatment. Some insurance adjusters may make you hesitant about seeking care, but getting the treatment you need is an important part of recovering from the accident.

2. Filing a Claim for an Accident You Didn’t Cause Won’t Raise your Insurance Rates.

Many people worry that filing a claim will increase their insurance rates, but that’s not the case for accidents they didn’t cause. The at-fault driver’s insurance is responsible for covering medical expenses, but it’s not automatic—you’ll need to submit a claim to receive compensation. The at-fault driver’s insurance should cover your medical bills, but they won’t voluntarily hand over the money—you have to demand it.

3. Delaying Treatment Can Cost You Your Claim

Delaying medical care after an accident can give insurance companies a reason to question your injuries. They may claim your condition isn’t serious or was caused by something else. Getting medical care immediately protects your health AND your case.

4. Insurance Companies May Downplay Your Need for Treatment

Insurance adjusters may suggest that your injuries aren’t serious enough for treatment, that rest is enough, or that your pain will go away on its own. However, conditions like whiplash, ligament damage, and concussions can lead to long-term issues if left untreated. Getting proper medical care early can help prevent complications and support your recovery.

5. Access to Medical Care—Even If You Can't Pay Right Away

Many people avoid treatment because they can’t afford out-of-pocket medical bills. That’s exactly why we accept medical liens—so you can get the care you need without paying upfront.