If I was injured in a car accident, but the other people in my car were not, will that reduce my settlement amount?

I was recently in a car accident.  The other driver was at fault.  I was injured, but my passengers were not.  Will this call the severity of my injuries into question, in the mind of the other driver's insurance company?
   
I did not need to be hospitalized (just went to the ER, and not by ambulance), I was conscious after the accident, and the police report says no injuries to any parties.  Will the insurance company use this to diminish the severity of my injuries?

2021-04-07T18:01:46Z

jimanddottaylor - Good point about insurance fraud.  That explains why insurers have their guard up and scrutinize things.  But even if they saw an ER bill, would they try and argue that the injury was pre-existent?  I can see the insurer saying "I know he went to the ER, but I'm not sure that was a result of the accident, because the passengers weren't hurt, and the passengers were closer to the point of impact."  Is this something that they would do?

2021-04-07T18:03:45Z

A hunch - I do not keep posting this "over and over".  Where are you seeing these other questions?  Why is it safe to surmise that I'm the one who caused the accident?  Were you there to see it?  And where did you get the info about $25k coverage?  I did not post any information about insurance coverage.  So why are you fabricating lies?

2021-04-08T17:13:25Z

May - I am NOT asking this question "again and again".  I asked ONE other different question about the same accident.  So no, I will not look at your answer to some other similar question that someone may have asked.  Either answer the question here or don't respond.  I don't understand why it is so difficult for people to just answer the f*cking question that is being asked without whining that others may have asked a similar question.

2021-04-10T01:00:27Z

Anonymous - I am criticizing people who are falsely accusing me of asking this before.  There may have been a similar question, but that's not my problem, nor is it in your place to worry about who asked what.  Just answer the question.

Anonymous2021-04-11T09:58:51Z

Get an accident/injury attorney. They don't get paid until the claim is settled.

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Anonymous2021-04-10T00:20:44Z

I just answered this!  I am HIGHLY amused when the person who doesn't understand the topic and is searching for answers criticizes and directs the people who DO know the information and ARE answering.  It is VERY difficult to answer questions for people who have f*cking attitudes.  No one is fabricating lies.  It is not the least bit unusual to see what else you've posted BECAUSE as I have explained you don't say WHERE and State law varies, and that includes settlement issure.
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You will get paid for your monetary damages IF you have no pain and suffering.  If you DO have pain and suffering, that will be separate.  Passengers ALWAYS have the ability to sue the driver.  Passengers (except for very rare exceptions) do not cause the accident and have no direct legal connection to the other driver, SO both parties are sued.
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I don't see the "insurer" saying anything along the lines of who is and who is not injured when medical PROOF is required - and I'm an insurance adjuster.  And the word is pre-existing, not pre-existent.  Yes, if there is an indication that there was a pre-existing injury, that will be taken into consideration, BUT an accident that makes a pre-existing injury WORSE is actually "worth more" than a straight forward new injury.  Adjusters "take the injured person the way they find him/her."  That means, injured prior, new injury, now worse.
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And I'd drop the attitude.

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regerugged2021-04-07T20:35:44Z

Make a claim for whatever amount you think is fair.  Claims adjusters use anything they can to beat down claims.  (retired claims adjuster)

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A Hunch2021-04-07T17:58:00Z

You keep posting over and over.
Sometimes you are the person who caused the accident
And sometimes you are the person that was in the accident caused by the other person.

I think it's pretty safe to surmise that you are the one that caused the accident with only $25K of insurance.

The injuries are not reduced simply because the person didn't go to the hospital immediately, the police report doesn't address any injuries or that others weren't injured. 

I hope you have upgraded your insurance so that the next accident you are at fault at doesn't place you on the brink of BK. 

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jimanddottaylor2021-04-07T17:36:52Z

Insurance companies have been taken advantage of by scammers many times, so they will look at the police report and wonder.   But I would think that the ER report would be conclusive.  

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