Traumatic Accidents & Mental Health | Farah & Farah (2024)

Risk Factors for
Mental Health Effects After an Accident

Predicting how a particular individual may respond to a car accident is impossible. Anyone can experience mental trauma after a car accident. However, numerous characteristics increasing the risk of a strong trauma response following a car accident have been identified.

Lower Resilience

Resilience is the ability to recover from emotional trauma and adapt to sudden changes, such as disabling physical injuries. People with a higher degree of resilience are generally less likely to suffer severe and prolonged emotional trauma after a car accident.

A 2016 study found that certain psychological characteristics decrease resilience, which increases the risk of a psychiatric or psychological disorder following a car accident. These characteristics include the following:

  • Lack of a fear of death.
  • Severe physical suffering.
  • Real or perceived social disapproval.

By contrast, people who love life and have hope for the future typically have higher resilience. It is important to note that resilience, or lack thereof, is not a measure of strength or superiority. People with lower resilience may have experienced trauma in the past or other challenges that make them more vulnerable.

Reduced Self-Efficacy

Self-efficacy is confidence that you can reach your goals in the face of unexpected challenges. If you have a high level of self-efficacy, you have a lower risk of developing post-traumatic stress disorder or other mental health disorders after a traumatic event such as a car accident.

People with a high level of self-efficacy have often overcome hurdles in the past. Their confidence comes from knowing they can manage difficult circ*mstances. Self-efficacy is also higher in people with a strong social support network.

Difficulties With Emotion Regulation

Emotion regulation is the ability to identify, understand, and accept negative emotions. It includes the ability to continue to pursue positive goals even amid distress. People who have difficulties regulating emotions are more vulnerable to developing post-traumatic stress disorder.

Perceived Threat to Life

Experiencing a threat to your life is one of the most important factors in predicting whether you may develop PTSD in response to a car accident. For many car accident survivors, the threat of death isn’t limited only to the accident. Your life may hang in the balance for days or weeks following the accident if you’ve suffered severe injuries, such as widespread burns and organ damage.

Severe Physical Injuries

Car accident injuries can be life-altering, especially if they involve the following:

  • Spinal cord injuries resulting in paraplegia or quadriplegia.
  • Moderate or severe traumatic brain injuries.
  • Loss of one or more limbs.
  • Loss of bodily functions such as bowel or bladder control.
  • Severe, widespread burns.
  • Severe scarring or other forms of disfigurement.

These injuries can result in complete dependence on others, loss of financial and social status, and chronic pain. This can create a cascade of thoughts and emotions, including a fixation on the accident. Physical and hormonal changes can also contribute to emotional dysregulation and a lower tolerance to stress. This may be why multiple studies have found an association between PTSD and injury severity.

Lack of Social Support

The support of loving friends and family members has long been established as an important protective factor against developing post-traumatic stress disorder. A strong support system can provide you with an outlet to express negative emotions, provide comfort, and enhance treatment.

Friends and family members can help you maintain a routine, restore a sense of normalcy, and provide reassurance about the future.

Traumatic Accidents & Mental Health | Farah & Farah (2024)

FAQs

How long does an insurance company have to settle a claim in Georgia? ›

Georgia law provides that insurance companies have 15 days to file your claim. Once filed, an insurance company must accept or deny the claim within 15 days. At the point of acceptance, your attorney begins negotiating with the insurance company on a fair settlement.

Is Florida a no-fault state for car insurance? ›

Florida is a no-fault automobile insurance state. This means that drivers must carry personal injury protection insurance (PIP) to pay for their medical expenses and other accident-related damages, regardless of who caused the collision.

Is GA a no-fault state? ›

Georgia is not a no-fault state when it comes to auto insurance claims. This means that before an auto insurance company will pay for your wrecked car, medical bills, or other pain and suffering, you need to show which driver was to blame for the crash.

What are economic damages? ›

Economic damages refer to actual financial damages that occur as a result of a defendant causing harm. Examples include things like medical bills you have paid or will need to pay in the future due to your injuries, as well as any lost income due to injuries and any loss in future earning capacity.

How is pain and suffering calculated in Georgia? ›

Most pain and suffering damages in Georgia involve the multiplier method. It's usually set between a factor of 1 and 5, based on the severity of injury, and multiplied by the length of potential impact.

What is the average settlement for a car accident in Georgia? ›

The average settlement for a minor car accident claim is around $16,700. That is for cases without bodily injury and only property damage. However, the final settlement amount can also depend on other factors, such as the extent of the property damage and any psychological trauma experienced.

Who pays for car damage in Florida no-fault? ›

Due to Florida's no-fault laws, your insurance will pay for your auto repair after an accident you did not cause in Florida. However, if the costs of damages exceed your policy limits, you may qualify to recover additional compensation elsewhere.

Will my insurance go up if the accident wasn't my fault in Florida? ›

Generally, your car insurance will not go up after a claim that is not your fault in Florida. This is according to Florida Statutes §626.9541(1)(g)3).

What happens if you don t have enough insurance to cover an accident in Florida? ›

The state may revoke or suspend their driver's license. In Florida, you must have an insurance policy that covers the minimum liability, which includes: $10,000 per person for bodily injury.

How does insurance work when it's not your fault? ›

If you file a claim with your carrier when you are not at fault, your carrier will eventually begin a process called subrogation. Essentially, this means that once liability is determined, your insurance carrier will send a demand to the at-fault party's carrier to pay back the damages that were paid out to you.

How is fault determined in a car accident in Georgia? ›

There are some basic rules for proving fault in Georgia, including: If one driver broke a traffic law, and the other driver did not, then the one breaking the law is at fault. If one of the drivers drove with negligence, such as eating or talking on the phone while driving, then that person most likely is at fault.

Do insurance rates go up after a no-fault accident in Georgia? ›

Georgia's Laws on Insurance Rates

If you are involved in a wreck that was not your fault, your insurance premiums should not increase. O.C.G.A.

What is considered emotional damage? ›

Emotional damages can be the mental repercussions of physical wounds such as a brain trauma that leads to forgetfulness, or insecurities caused by permanent scars, or physical reactions that stem from emotionally charged scenarios.

Is emotional distress economic damages? ›

Emotional distress claims fall under the umbrella of non-economic damages and represent a significant aspect of personal injury law. These damages are intended to compensate the victim for the psychological impact of an injury – impacts that are real, deeply personal, but often intangible.

Is pain and suffering punitive? ›

Compensatory Damages – This includes things like pain and suffering, economic losses, lost earnings, property damages, and more. Within Compensatory Damages there are even MORE categories. Punitive Damages – These are Damages that are essentially enacted to keep the defendant from repeating his or her crime.

How long does it take to get a settlement check in Georgia? ›

The general rule is that it takes anywhere from several weeks to several months to receive a settlement. In rare cases, however, it could take longer.

How long before an insurance company offers a settlement? ›

Under the Fair Claims Settlement Practices Regulations guideline that California follows, an insurance company must settle a claim immediately, if possible. If it can't settle it immediately, it must do so within 40 days of receiving the proof of claim forms.

How long does an insurance adjuster have to respond in Georgia? ›

Insurance companies in Georgia have 40 days to settle a claim after it is filed. Georgia insurance companies also have specific time frames in which they must acknowledge the claim and then decide whether to accept it, before paying out the final settlement.

What happens if insurance doesn't want to settle? ›

When an insurance company refuses to settle, it may be liable for the full amount of the excess judgment after trial, notwithstanding the lower policy limits. This duty of good faith aligns the insurance company's incentives with those of its insured.

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