She can only recover financially from an injury if she has what is considered a "serious injury" as that term is defined by law. This includes death, miscarriage, fractures, a total disability that lasts 90 days or a permanent partial disability. The injury must be confirmed by objective medical proof such as an x-ray, MRI, CT scan or nerve conduction study. Nevertheless, file a no-fault claim with your insurance company. It doesn't matter that it was the other driver's fault; that's why they call it "no-fault". Notify your insurance company, get a claim number and a benefits application, fill it out right away and send it in. You may not be able to answer every question, such as "amount of medical expenses" if she hasn't had any yet, just do the best you can and send it in immediately. Then she can get the psychological treatment she needs. As long as the doctor signs that the treatment is medically necessary and related to the accident, she is covered.
Answered on Sep 20th, 2011 at 2:17 PM