Can Your Driving Record Affect Your Injury Claim?
If you were a car accident victim and want to file a claim, you have every right to do so. However, you may be worried about your driving record and wondering how it can affect the process. Here’s everything you should know.
You Can File a Claim Regardless of Your Driving Record
Past accidents shouldn’t bar you from filing an insurance claim after you suffered from an injury. However, past driving records can affect insurance rates, and every insurance company would try to use bad records against you.
How Insurance Companies May Use Records Against You
An insurance company may try to counter your claim with the argument that you were at fault for the car accident and deny or reduce the financial compensation you asked for. Since every state has negligence laws, insurance companies are likely to use bad driving history to paint you as a routinely negligent driver.
Insurance Companies May Claim Your Injuries Are Pre-Existing
Another common trick insurance companies try to do when there’s an existing driving record of past accidents is to convince the jury that your injuries are pre-existing. This is why you need an experienced lawyer that can help you prove that is not the case. If this is the case, a lawyer can also help you argue that your new injuries would have never been so bad if you didn’t already have a pre-existing condition.
In other words, the insurance companies should take you as you are, which is called the eggshell skull doctrine.
When Is It Helpful to Have Driving Records Introduced in Court
Of course, not all driving records have to be bad, and if you have a clean record, your lawyer may use it in court as it may serve as a counter to claims of your negligence, demonstrating that you are a careful driver.
Also, if the at-fault driver has a bad driving record, your attorney may be able to use it to strengthen your case by demonstrating a pattern of negligence.
Either way, you should always consider contacting a professional lawyer, and this is what we at Legal Chiefs are here for. Regardless of your driving experience or records, we’ll get you in touch with an attorney that will help you in court.
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