Compensation for Lost Wages Following a Car Accident

If you've been unable to work there are two ways to get compensation for lost wages following a car accident. You need to submit a request to your insurance company or to the negligent party's company.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

Full Bio →

Written by

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 14, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's what you need to know...

  • If you have been unable to go to work because of physical injuries sustained during a crash, then you have two options for trying to recover your lost wages
  • You will either need to make a request to your insurance company or to the insurance provider of the driver who caused the accident
  • A personal injury protection policy will help to pay your medical expenses as well as a percentage of your lost income. You must purchase this coverage prior to being injured in order to be paid
  • Alternatively, you can submit a claim with the negligent party’s insurance company. Be prepared to submit documentation, answer questions, and wait until a decision is made
  • Recovering wages is sometimes an extremely lengthy process, so remain patient and diligent during the waiting period

Do insurance companies pay for lost wages? If you’re involved in a car accident, you might wonder how to go about recovering lost wages from the car insurance company. Know that not all accident victims are eligible for receiving lost wages. 

Find lower car insurance rates by entering your ZIP code into the FREE search tool located at the top of this page!

When Car Accident Victims Can Submit a Claim for Loss of Income

How do you get your wages back after an accident? You can submit a car accident claim immediately after a collision occurs, but you will want to wait until you receive medical treatment before asking for lost wages. In essence, you need to actually incur a loss before you can ask to be compensated.

If a doctor tells you that you won’t be able to return to work for a few weeks, you can use your written medical report as the basis of your claim.

When physical injury from a car accident occurs, insurance adjusters will need an adequate amount of time to perform a full investigation.

You can help to expedite the process by filling out all forms in a timely manner and also by meeting with the insurance adjusters as soon as it is convenient for you.

Your insurance company might agree to pay some of your bills, but you may also need to put pressure on the other insurance provider to pay out the remainder of your claim.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

How Long It Takes to Receive Lost Wages after Being in an Accident

Depending on the outcome of the accident investigation, it can take anywhere from a couple of weeks to several months to receive your lost wages.

If your doctor first determined that you would be unable to perform your job-related duties for a short period of time, but then found that you need more time off, you would have to amend your claim.

Every time a change is made to a car accident claim, it will take additional time to receive funds.

In some cases, car accident victims are unable to receive their lost income, even if they have personal injury protection. You will need to check into the laws of your state and read the details of your policy in order to find out how you can expect to be compensated.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

When to File an Accident Claim Appeal for Lost Wages

Some insurance companies will require you to see their doctors before they will pay out a claim for lost wages. Unfortunately, physicians can sometimes have a difference of opinion.

If the documentation that you submitted was incomplete, inaccurate, or not sent in a timely manner, your claim for loss of income could be denied. In these cases, you can submit an appeal but that means you will be waiting even longer.

It is best to wait until you have gathered the facts before you appeal your claim.

You need to know why your claim was denied in the first place so that you can a better chance of changing the outcome.

If you believe that your claim was unfairly denied or do not know what you can do to get the car insurance company to cooperate, you might want to hire an attorney.

How to Get the Maximum Amount of Money from a Car Insurance Provider

If you have not been able to work at all because of your physical injuries, you might need to ask for more than just lost wages. Doctor’s bills, prescriptions, physical therapy, hospital visits, and even transportation bills are sometimes covered by car insurance companies.

If you were not at fault for the accident, you can ask to be compensated for nearly all of the related expenses.

Submit a claim with your insurance provider first, then try to get the difference from the car insurance company of the person that caused the collision.

Remember that car insurance claims are not paid out immediately. Even if your claim is approved, it could still be a few weeks before the funds are dispersed.

Be diligent about remaining in contact with the insurance adjusters, and don’t be afraid to talk to other staff members if things are not moving along within a reasonable amount of time.

Check out these car insurance quotes by entering your ZIP code below now!

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Average Monthly Car Insurance Rates by State