One of the scariest accidents that can occur to you happens on the road. Even minor ones can not only still cause a huge amount of damage to your health but can only cause huge amounts of damage to your wallet or purse. Fortunately, there are many solutions to these problems that can make these traumatic situations a little bit easier to deal with. Check out how you can recover from a car accident financially and medically.
It should go without saying that your first concern should be for yourself and anyone involved in a car accident. You should seek medical attention immediately, regardless of how you feel. You may have significant injuries and that may need attention. Importantly, this visit to the medical professionals will be essential if you are to make any kind of claim. The amount of pain that you are in can affect the amount of compensation that you are due.
One issue that will always crop up in any car accident is who is to blame? This is something that whilst is not always a pleasant thing to do, is a fact that must be established. It is often the person who is to blame, it is their insurance that must payout to the injured party. Importantly, this applies if you are both the driver and the passenger on any trip.
If you are to blame, then it is your insurance that will pay for your car repairs, it if can be repaired, and you will pay the excess fees that are required. You will also lose your no claims bonus if you have access to one but your insurance company will pay out on any insurance claim if they are filed after the accident. Though, you would not be able to claim as the accident was your fault.
Making a Claim
Making a claim should be easy, but as with anything, it is not as simple as it seems. There are situations where blame cannot be attributed and because of this insurance claims will be made on your insurance. Some states allow for personal injury protection whereas other states may just allow for property damage.
This is all fine if everyone involved has insurance, however, this is not always the case. In such cases, you can sue the other driver to cover any costs that you have incurred to both your property and your medical bills. Though this may not be worth it if the other driver does not have the funds or ability to pay for these things.
Suing can also lead to a drawn-out case that you may not win. If you can fully prove that the accident was not your fault, then this may be a road worth pursuing. However, if there is little evidence then the legal fees may not be worth the return. One piece of advice always to remember is that with an accident, the more evidence you can gather to support your argument, the better.
These are traumatic events that can happen to anyone, so it is always best to be prepared. There is no need for a horrible day to get worse by being in severe pain and losing lots of money.