If you suffered any type of loss as a result of a car accident, you may still have the right to pursue compensation from the at-fault driver. Just because you weren’t physically injured doesn’t mean you didn’t experience damages. Common examples include property damage, emotional distress, and other economic losses.
If you plan to sue someone for a car accident without an injury, you also must do so in the right timeframe. Every state has a statute of limitations, or time limit, for filing a car accident claim. In Arizona, for example, you generally have two years from the date of the accident to file a lawsuit. Other states may have different deadlines, so it’s best to speak with a lawyer as soon as possible to protect your right to compensation.
Property Damage Claims
If your car was damaged or totaled in an accident, you can file a claim or lawsuit against the at-fault driver for the cost of repairs or replacement. Your claim can also include related expenses such as towing fees, rental car costs, or the diminished value of your vehicle.
In many cases, these claims are handled through insurance rather than a lawsuit. However, if the insurance company refuses to pay what’s fair or denies your claim, taking legal action may be the next step.
Emotional Distress and Other Non-Economic Damages
It’s also possible to experience emotional or psychological suffering even
after a minor accident that didn’t cause physical injuries. For example, some people develop anxiety, sleep problems, or a fear of driving after a crash.
That said, these claims can be difficult to prove and may depend on your state’s laws. Some states allow emotional distress claims without a physical injury, while others limit them to extreme situations or cases where you were in genuine danger. An experienced attorney can help you understand what’s possible in your situation and gather the right evidence to support your case.
What Types of Losses Can You Recover?
Even without an injury, a car accident can create unexpected costs. Depending on your situation, you may be entitled to compensation for:
- Vehicle repair or replacement
- Rental car and towing expenses
- Lost wages if you missed work
- Out-of-pocket costs tied to the accident
- Emotional distress or anxiety related to the crash
- Diminished value of your vehicle
Each state has its own rules about which losses can be claimed and how much you can recover. Talking with an attorney can help you understand what applies in your case and make sure you don’t overlook any potential damages.
Settling a Minor Car Accident Without Injuries Through Insurance
Many minor accidents without injuries can be resolved through insurance rather than going to court. After the accident, you can contact your insurance company and follow their process for filing a claim. A lawsuit is typically reserved for situations where:
- The insurance company denies your claim
- The settlement offer doesn’t cover your losses
- There’s a dispute about who caused the accident
Keep in mind that insurance companies often try to minimize payouts or offer low settlement amounts. Having a lawyer on your side can help you negotiate a fair settlement for a minor accident and ensure your rights are protected, even if your case doesn’t require a full lawsuit.
Legal Costs in Non-Injury Car Accident Cases
