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The Physical, Emotional & Financial Effects of a Car Accident

“Nothing is certain but death and taxes,” the old saying goes. Getting into a car accident is a pretty strong certainty, too. At least, the odds are pretty high. In fact, a few years ago, Forbes reported that a driver should expect to file a crash-related insurance claim at least once every 18 years. Since that Forbes article, the odds of getting into serious car crash may have actually gone up. The country is on pace to see 37,150 fatal car accidents in 2018, the National Highway Traffic Safety Administration (NHTSA) estimates. If that projection holds, the country will see an 11.5 percent rise in fatal car accidents from five years ago (32,893 in 2013). Crashes of any kind can carry serious costs. Based on 2013 data, the Centers for Disease Control and Prevention (CDC) estimates that crash deaths in our country cause about $44 billion in medical and work loss costs each year. In this article, we examine the specific long-term physical, emotional and financial effects that car accidents can have on people’s lives.

The Physical Effects of a Car Accident

physical and emotional effects If you get into a crash, you may be lucky enough to escape with only minor injuries – perhaps just a few scrapes and bruises. However, even if you believe that your injuries are minor, you should still see a doctor as soon as possible after an accident of any kind. Seemingly minor injuries could be signs of much more serious health problems. Also, due to the shock and adrenaline that a crash triggers, a person may not realize that he or she has suffered severe harm that may have a long-term impact.

Some of the most common physical injuries of a car accident are:


People who get into car accidents may suffer cuts from contact with sharp metal, broken glass and flying debris. If a person does not properly treat the cut, they may suffer a skin infection such as impetigo, an infection beneath skin tissue called cellulitis or a potentially life-threatening condition known as sepsis, Healthline notes. Cuts may also leave permanent scars which can only be removed through expensive cosmetic surgery.


Burns frequently occur in crashes in which the impact ruptures a fuel line or gas tank and, in turn, triggers an explosion. People may also suffer thermal burns from contact with hot parts of the vehicle or friction burns from being dragged for a distance. As the Mayo Clinic points out, burns can lead to permanent scarring as well as related problems such as contractures, or the tightening of skin, muscles and tendons due to scar tissue.

Soft Tissue Damage

Muscles, tendons and ligaments can sustain long-term damage due to the sudden, awkward body movements that a person experiences in a collision. For example, a rear-end collision may cause a person’s head to snap back-and-forth in a violent motion, strain soft tissue in the neck and cause a condition known as whiplash. This condition can lead to chronic pain and discomfort, according to the Cleveland Clinic.


A person’s body gets thrown around in a crash. The sudden movement can easily lead to wrist, arm, leg, ankle, collarbone and rib fractures. Many car accident victims suffer multiple fractures. Some fractures may heal in a matter of weeks. However, a severe fracture may take an extended period of time to heal and could result in a life-long disability.

Loss of Limbs

Nearly half of all people who live with a missing limb in the U.S. suffered the loss of limb due to a traumatic event such as an auto accident, according to stats compiled by the Amputee Coalition. A victim may suffer complications such as loss of mobility, infection, blood clots, muscle contractures and “phantom limb pain.”

Back and Spine Injuries

The back and spinal cord are highly susceptible to damage in a crash. On one end of the spectrum, a car accident victim may suffer a lower back sprain or a slipped or bulging disc. The accident may aggravate a pre-existing back condition. On the other end of the spectrum, the victim may suffer damage to the network of nerves that runs down the spine and sends signals to the rest of the body. As a result, the victim may suffer partial or total paralysis, or the loss of feeling and use of one’s limbs. Paralysis may also lead to other complications such as pressure ulcers.

Traumatic Brain Injuries (TBI)

Even a low-speed accident can cause a driver or passenger to slam into the dashboard, window, seat or some other object in the car. Many victims suffer concussions without realizing it due to the shock and adrenaline. For this reason, it is important to always see a doctor after a crash. You should be examined for this “invisible” but serious injury. In cases of severe TBI, victims may fall into a coma and/or die from damage to the brain.

Internal Organ Damage

The impact in a crash may cause an object to puncture an organ or cause a compression of the organs. If internal bleeding occurs, it may be a sign of a serious and potentially life-threatening problem. The victim may go into shock. A skilled medical professional should take immediate steps to bring the bleeding under control and prevent long-term organ damage.


NHTSA statistics show that the majority of people who die in traffic accidents are those in passenger vehicles. In 2016 alone, there were 23,714 occupants of passenger cars who died in wrecks. Out of the 52,190 vehicles involved in fatal crashes in the U.S., 40,908 were passenger vehicles – 78 percent. Passenger vehicle deaths are highly likely when the crash involves a tractor-trailer.

The Emotional Effects of a Car Accident

emotional effects As one doctor told WebMd, it is common for people to have high levels of stress long after an accident – even after a seemingly minor one. It is important for car accident victims to pay close attention to the emotional effects of the traumatic experience. They need to take signs of emotional distress seriously and seek help from a mental health professional. If the problems linger, it can disrupt your career and your relationships.

Some of the most common emotional effects of a car accident are:


The Anxiety and Depression Association of America (ADAA) reports that 44 million American adults live with some form of anxiety disorder. That number includes people who experienced a traumatic event such as an auto accident. Many psychiatric disorders fall into this category, including panic disorder, social anxiety disorder, separation anxiety and certain phobias. Irritable bowel syndrome (IBS) has also been linked to anxiety.


Depression is another common emotional effect of a car accident. The most common type of depression is major depressive disorder. It affects an estimated 16.1 million American adults each year, according to the ADAA. Overwhelming sadness and loss of interest in daily activities are signs of depression. A disorder may be diagnosed if symptoms persist for weeks.

Personality and Behavior Changes

After a crash, a victim may experience changes in their personality and behavior that don’t exactly fit into a neat category. They may be symptoms of different types of disorders. For instance, many people suffer delusions after a traumatic event. In other words, they believe something to be true even when presented with evidence to the contrary. Confusion, delirium, hallucinations and other types of disorganized speech and behavior are other types of changes that can occur, according to Merck.

Sleep Disorders

Stress from a traumatic event causes a wide range of sleep disorders, according to the National Sleep Foundation. The stress overstimulates the brain. In turn, it causes the release of neurochemicals such as epinephrine and adrenaline. Those neurochemicals can keep you awake, cause nightmares and flashbacks and, ultimately, disturb your sleep. Daytime fatigue can add to your problems.

Post-Traumatic Stress Disorder (PTSD)

Several years ago, University of Wisconsin Medical School researchers identified a specific type of post-traumatic stress disorder (PTSD) that was common among car accident survivors. They called it “subsyndromal” or “partial” PTSD. Victims with this condition tended to have: • High levels of hyperarousal and re-experiencing symptoms • Low levels of avoidance or emotional numbing symptoms. If you were in a severe accident, witnessed a severe injury or death, or perceived a life-threatening event, you face a high risk of developing PTSD, according to the Wisconsin medical researchers. A person with PTSD may be unable to work or maintain healthy relationships with friends or family. Many PTSD victims choose to “self-medicate” and develop addiction issues.

The Financial Effects of a Car Accident

financial effects Every decade, the NHTSA studies the economic costs of motor vehicle accidents in our country. The most recent figures from 2010 are staggering. According to the agency, the total economic cost of traffic crashes in the U.S. was $242 billion. When quality-of-live valuations were considered, the total value of societal harm came out to $836 billion.

Here are the many financial effects of a car accident:

Property Damage

A car accident can cause major cosmetic and mechanical damage to a car. The car’s actual cash value (ACV) will play an important role. (Check out Kelley Blue Book or Edmunds to get an idea.) If the cost of repairs is less than the car’s ACV, then an insurance company will likely agree to pay repairs. However, the car’s actual value will diminish with a crash on its record. If the cost of repairs exceeds the car’s ACV, the insurer will likely agree to pay the ACV. If you pay the car’s salvage value, you typically may keep the car and the salvage title.

Medical Expenses

Medical Expenses Medical treatment has the greatest financial effect on auto accident victims and their families. The costs can be exorbitant. This is especially true if a person suffers injuries that require surgery, hospitalization, medication, assistive devices and ongoing care and attention. For instance, the Christopher & Dana Reeve Foundation estimates that a person with paralysis will incur $518,904 in medical costs in the first year and $68,739 in every subsequent year.

Living Adjustments

If a person suffers from a serious physical disability after a car accident, the person’s home may need to undergo extensive modification. Today, the goal is to provide a person with a “universal design” that accommodates their unique needs when it comes to getting in and out of the home, using the shower and bathroom, cooking or using a computer. However, the remodeling costs can be extensive – and insurance may not cover it all.

Loss of Income

An accident victim may suffer from a partial or total disability that prevents the person from returning to work at full capacity or returning to work at all. When assessing lost income costs, it is important to look at the person’s average weekly earnings, education, training and experience as well as how many years the person would have likely worked.

Loss of Services

A person may contribute a great deal more to a home than income. The person may provide a wide range of services that have value such as mowing the lawn or taking care of the children. Due to the injuries suffered in an auto accident, the person may no longer be able to contribute those services. The costs of childcare and replacing other services can add up.

Car Accidents Affect People in Different Ways

No two people are the same. That is why you can never generalize the physical, emotional and financial effects of a car accident. Everyone is affected differently. For instance, one person may be in great physical shape and recover quickly from a crash, while another person may be in more frail shape and never fully recover. The effects depend on a person’s unique injuries and other circumstances. However, the above has hopefully provided an overview of the many different types of effects that auto accident victims can suffer. The list is extensive. It underscores the importance of preventing auto accidents as well as protecting the rights of those who are harmed in crashes through no fault of their own. Contact our Boston car wreck attorneys today at Kelly & Associates.

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I would highly recommend Michael Kelly to anyone who is seeking a knowledgeable, experienced, and dedicated lawyer.

Frensis P.



Michael D. Kelly has a diverse background that provides a breadth of legal knowledge that he draws upon in serving his clients. Kelly compiled an excellent academic record during his three years at New England Law in Boston.


You want to select a seasoned car accident attorney who you can trust to fight for you and never give up. At Kelly & Associates Injury Lawyers, we are dedicated to pursuing justice for our clients.
  • You should work with a Boston lawyer who has a thorough knowledge of Massachusetts personal injury law.
  • You should choose an accident lawyer who has handled numerous similar cases. Our energetic lawyers at Kelly & Associates Injury Lawyers work on car accident cases every day.
  • You should select a lawyer who is a good communicator. one who will keep you informed of developments in your case and who will return your phone calls when you have questions.
  • You should select an lawyer who will investigate your case thoroughly and pursue it where it leads.
  • You should be represented by a lawyer who has proven skills in negotiating settlements with insurance companies. We have settled hundreds of cases.
  • You should select a trial lawyer who has the litigation skills to take your case to court if necessary. Having a trial lawyer negotiating on your behalf signals to the insurance companies that you are serious about receiving full compensation. Insurance companies are more likely to offer maximum compensation if they know they will end up in court otherwise. The lawyers at Kelly & Associates Injury Lawyers are talented, experienced trial lawyers.


Related Information

If you have been injured in a car accident, you should initially file a claim with the insurer of the car in which you were riding. Drivers in Massachusetts are required to carry certain mandatory amounts of auto insurance coverage including Personal Injury Protection. This is sometimes referred to as no-fault insurance. PIP covers the medical bills for each person in the car who is injured in an accident. Regardless of who caused the accident, the insurance company should cover your medical bills for personal injuries and may cover a portion of your lost wages up to $8,000 per person, according to the terms of the policy.

If your injuries are more serious and exceed $2,000 or meet certain conditions such as involving broken bones, spinal cord injury, serious disfigurement, eye damage or hearing loss, burn injuries, then you may be entitled to file a car accident lawsuit and seek compensation for your injuries and other losses if another driver was at fault in the accident.

Medical Bills

You may have a right to seek car accident compensation for your medical bills, rehabilitation, prescribe medicines and the costs of your future medical treatment for rehabilitation related to your injuries.

Lost Wages

The Commonwealth of Massachusetts allows you to seek compensation for lost income if your injuries forced you to miss work. If your injuries prevent you from returning to work or limit the type of work you can perform, then you may seek compensation for your reduced earning capacity.

Pain and Suffering

Massachusetts juries may award compensation for both physical and emotional pain. You may seek compensation for your pain and mental anguish, as well as the past and future shock and anxiety resulting from your injury. This is commonly referred to as pain and suffering.


If your injuries caused scarring and disfigurement, the loss of a limb or changes in your appearance, you may seek compensation for disfigurement.

Property Damage

You may seek compensation to pay for your car repairs or replace your car if it was totaled.


All drivers in the state of Massachusetts have a legal responsibility to operate their cars with reasonable care so they do not put other at risk. If a driver shirks his or her legal duty and drivers in a careless manner such as speeding running a traffic light, the driver is considered to be negligent in the eyes of the law.

An insurance claims adjuster will make a determination of fault based on the police accident report, witness statements, medical records, and evidence gathered at the scene.

In some car accidents, more than one driver or other party is partially at fault. Massachussetts uses the legal doctrine of comparative fault in these cases. A jury will be instructed to determine the degree of fault that each party bears for causing an accident. In the Commonwealth, you may still collect damages in a car accident lawsuit so long as you are no more that 50 percent responsible for causing of your injuries. If you are found to be partly responsible, any car accident compensation you are awarded would be reduced proportionately by your percentage of fault.

For example, if a Suffolk County jury awarded $100,000 in damages and found that you were 25 percent at fault for causing your own injuries, then you would be entitled to recieve $75,000 in damages.

For minor accidents, Massachusetts handles most of them under No Fault rules. In this situation drivers cannot take each other to court for auto accidents unless the following conditions occur:

You have incurred $2,000 or more in medical bills or other expenses.

You have suffered a serious injury as the result of a Boston auto accident which can include loss of hearing or vision, broken bones and or permanent disfigurement.


The state of Massachusetts has a few specific requirements for car insurance to make sure residents have coverage that is adequate in case they are involved in an accident. These requirements are in place to protect you but can quickly increase the cost of your policy's rates depending on the limits you choose. If you're a safe driver you will probably be eligible for a discount on your insurance premium.

You must carry the following 4 types of insurance if you own a vehicle in the state of Massachusetts:

Bodily Injury
to Other

per person

per accident

Personal Injury Protection (PIP)

per person in an accident

Damage to Someone Else's Property

per accident

Bodily Injury Caused by an Uninsured Auto

per person

per accident

Personal Injury Protection (PIP) is coverage that will cover you or your passenger's injuries caused in an auto accident. This coverage is there regardless of who is at fault.


You have three years from the date of your auto accident to file a car accident claim in a Massachusetts court. This statue of limitations is your deadline and is the same three years for wrongful death and product liability cases. The deadline may be extended in special circumstances to allow for discovery of an injury if it was not detectable until long after the crash.

For claims againts a government entity. claims must be handled within 30 days of the accident or injury.


Dealing with a insurance company that has denied your claim can be extremely frustrating. If you are trying to recover from a serious injury such as broken bones, it can add to your stress and slow your recovery. It is important to understand why your claim was denied.

You should seek the help of a Boston car accident lawyer if another driver's insurance company has denied your claim. An experienced attorney can review the facts regarding the auto accident claim and explain whether you

have a valid claim and what steps to take. Having a clear understanding of your legal options is important to know how to proceed. If the insurance company was acting in bad faith, the accident lawsuit on your behalf against the at-fault driver and his or her insurer to pursue car accident compensation.


It is well known that boston is a dangerous place to drive. Boston has heavy commuter traffic and a high number of aggressive drivers that make it more likely that you or someone you know will be involved in a serious accident. There are many types of driver behaviors that prove to be dangerous or deadly. Among the common causes of accidents are:
Blind Spots
Work Zone Construction


Multi-Vehicle Accidents