Guide to Maximum Insurance Money for Leg and Knee Injuries

Brad Nakase, Attorney

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Leg or Knee Injury from Car Accident

Serious leg or knee injury can be crippling. Whether you have a mild or a severe leg or knee injury from a car accident, you deserve fair compensation.

It is often that injuries to the lower limbs of our bodies occur during vehicle accidents. The only injury that happens more often than lower limb injuries is head injuries.

However, the most common reason for disability resulting from car accidents is due to injuries to the knees, ankles, or feet.

Some more severe knee and ankle surgeries require surgery, therapy, or long recovery periods. You may even be necessary to use crutches or a wheelchair to remain mobile.

With an injury that makes you not able to take care of your home, family, or pets as well as bills piling up, how will you manage?

Your financial state depends on you being able to create a sufficient insurance claim that cannot be disputed. You must know how to build a firm claim to get the compensation you deserve for your suffering.

Leg and Knee Injuries

 The most common leg and knee injuries result from front-end collisions that cause your feet or legs to become smashed under the engine or the passenger compartments.

Side-impact can also cause leg injuries from the car digging into your leg or smashing them.

These same risks also apply to motorcyclists that get hit by cars. Some common injuries include:

  • Amputations: Amputations are one of the most severe leg injuries that can occur in car accidents. Amputations are when the foot or leg is completely severed from the body upon impact. While this happens, it is more common a surgeon to perform amputations at the hospital following an accident due to the foot or leg being beyond repair.
  • Fractures:  Bone fractures can occur when the legs impact with the vehicle. If the fractures are categorized as complicated fractures, they can require what is called Open Reduction and Internal Fixation surgery. This surgery consists of the surgeon inserting plates, pins, or rods into the bone that will hold the pieces together.
  • Soft-Tissue Injuries: Soft-tissue injuries are less severe than the previous two but are still significant. These forms of injuries can range from bruising and sprains to ligament or muscle strains. Depending on how forceful the impact was, the tendons or ligaments can be pulled, twisted, or hyperextended. These injuries are treated with rest and pain medications and will recover within a few weeks.

Types of Knee Injuries from Car Accidents

 Knee injuries in vehicular accidents occur when the legs are twisted or succumbed to blunt force trauma. There are also soft-tissue injuries such as bruising, strains, or sprains that are painful but quick to heal.

Other serious knee injuries include:

  • Tears in the Ligament: Over half of the knee injuries from car accidents are due to the anterior cruciate ligament, more commonly known as the ACL. The ACL provides out the knee with the ability to be flexible and is a thick band that runs from the upper to lower knee joints. As the knee moves, the ACL does as well. However, when the ACL is twisted with too much force in an accident, it can be torn from the joints and cause excruciating pain. These injuries often call for surgery and rehabilitation through physical therapy and rest.
  • Tears in the Cartilage: In your knee, there are two pads of cartilage. This cartilage acts as cushions separating the thigh and shin bones. These pads are known as the meniscus. When you are in a car accident, this meniscus can either tear or rupture with is extremely painful. To treat these injuries, you are put on anti-inflammatory medications as well as therapy. If the injury is more severe, surgery is required to remove the damaged debris. Sometimes, the meniscus is too far damaged and is removed in order to be replaced with an artificial meniscus.
  • Knee Dislocation: A knee can be dislocated if you are involved in a high-speed accident where the knee is hit with blunt force. Knee dislocation is complicated and typically causes ligament or blood vessel damage. If the damage is severe and the arteries are blocked, amputation may be necessary.
  • Knee Fractures: Head-on collisions can cause your patella (kneecap) to fracture when it hits your dashboard. Knee fractures, if mild, require a cast for 6-8 weeks while more severe fractures may require surgery to put every back in its usual place. Knee fractures are a leading cause in future arthritis.

Signs and Symptoms to be Aware of

 While some injuries to your lower limbs will be obvious immediately, others may not be immediately apparent. Shock from the accident can veil your pain and cause you to overlook some injuries.

Some symptoms can appear within the days or weeks following an accident. Some signs and symptoms to watch out for include:

  • Discoloration: If you notice any patches or red or yellow, this may be a sign of infection. If there is black and blue, you may have excessive bleeding in a joint or under the skin.
  • Change in Temperature: While some heat on a healing area is considered to be normal, hot and swollen legs or joints are cause for worry. If one leg becomes significant cooler than the other, you may have an issue with circulation.
  • Movement Reduction: If you feel like your knee, leg, or ankle is weak or less flexible, you may be suffering from joint injuries.
  • Pain: While discomfort is normal after an accident, severe pain when touched may be a sign of a more serious injury.

The Power of Strong Evidence in an Insurance Claim

 Don’t be a victim to the car accident; you deserve compensation for your pain and suffering, so fight for it.

If you reside in a state that functions under the no-fault insurance policy, you must initially file a claim with your insurance. Through this process, you will get your personal injury protection coverage. This coverage provides payment for medical bills, lost wages, or any other monetary expenses connected to your injury.

If you are not in a no-fault state, you can fight for compensation from the driver who caused the accident.

In this case, file a claim with the at-fault driver’s insurance. They will then negotiate with you to get compensation for your injuries and any costs that correlated to them, such as medical bills, out-of-pocket expenses, and more.

However, you first need to convince them that the other driver was at fault for the accident and that the accident was the cause of your injuries. To do this, you need strong evidence.

If you don’t have the energy to fight for compensation, speak to a personal injury attorney who will file the claim for you as well as work with the claim adjuster.

No-fault insurance covers your injury costs as long as you prove your injuries were from the accident. Other types of insurance policies require you to prove the other driver was at fault.

To prove this, you must gather the necessary evidence to prove to the insurance company that their client was the negligent driver.

The Best Forms of Evidence

 To find good evidence, you must first begin at the scene of the accident itself. Immediately after you are involved in a car accident, you should call 911 to get assistance. The dispatcher will ask for information regarding your location, your injuries, and the dangers of the scene.

When they arrive with the paramedics, you must allow them to examine you and assess your injuries. If you don’t do so, the insurance company will claim that the injuries are not from the accident.

If an ambulance does not transport you to the hospital from the scene of the accident, make sure to visit either urgent care or your primary care physician soon after the crash. Inform the medical professionals that your injuries were from a car accident so that they are on your medical records.

Do not move around the scene to gather evidence if you have suffered from injuries of the lower limbs. These actions can cause further injury. If there is someone there to help you gather evidence, ask them to get:

  • Photos/Videos: Take as many pictures and videos of the accident scene as possible such as skid marks, damage, cars, and anything else that would be evidence. If you see anything such as alcohol near the other driver’s car that could be cause for negligence, take photos of that as well.
  • Witness Statements: Talk to anyone that may have seen what happened. Ask if anyone else saw what the other driver was doing before the accident. Gather their contact information and ask them to recount what they saw on paper to have it as evidence.
  • Police Report: If you aren’t able to gather evidence from the scene yourself, the police officers that respond will file a police report. This report includes accident diagrams, witness contacts, tickets given, and their opinion of who was at fault. Insurance companies pace a lot of trust in police reports.


  • Medical Records: Medical records, whether they be from the emergency care or your primary doctor, are vital in an insurance claim. Doctor notes that link your injuries to the accident will be critical to your claim. You will also need to provide receipts of any out-of-pocket expenses for mileage, medications, or anything else relating to your injuries.
  • Wages Lost: Get a statement from your employer that shows wages you have lost and any vacation or sick time that you used as a result of your injury.


  • Notes: Write down anything you remember that you were doing before, during, and after the accident. Continue to take notes throughout the entire claim process, including how you are suffering due to your injuries.

Get the Most out of Your Insurance Claim

 If you heal quickly from your injuries or they weren’t that severe, to begin with, it may be easy to negotiate with the insurance company on your own. You may receive fair compensation this way. You will receive compensation for any medical bills, out-of-pocket expenses, or lost wages as well as extra for pain and suffering.

However, when you have a more serious or even debilitating injury, it is hard to receive fair compensation without the help of a professional attorney.

Insurance companies are infamous for offering compensation that is below fair to those who aren’t represented by an attorney. They know that they have neither the time nor energy to fight the offer.

There is too much time and money at stake for you to risk not getting fair compensation. An attorney can help you get the compensation you deserve for your pain and suffering.

Don’t risk it; it is free to see what a good attorney can offer you and your situation.

Call or Write for a Free Confidential Consultation

If you or someone you love has an ankle injury and needs an aggressive and compassionate attorney who will listen and aggressively protect your interest, we invite you to call attorney Brad for a free consultation.

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