4 Ways To Take Care Of Yourself After A Car Accident
Posted on: 23 July 2018
After you have been involved in a car accident, you want to make sure that you are taking proper care of yourself and fully taking advantage of everything that your car insurance has to offer. A truck wreck attorney can work with you to make sure that your car insurance is providing you with all the benefits that you deserve.
#1 Medical Care
Regardless of if you have personal health insurance, your car insurance should help take care of your medical expenses after an accident. The personal injury protection clause on your car insurance policy is in place to pay for all of your medical expenses up to a certain point regardless of who was at fault for the accident or what type of insurance the other driver has.
If your medical bills exceed your personal injury protection levels, that is where an attorney can step in and make sure that any additional medical bills are covered as well.
#2 Rental Vehicle
If your vehicle was damaged in the accident, you may be entitled to a rental vehicle. If you have a rental clause on your insurance, you are entitled to a rental vehicle while your vehicle is fixed or while you shop for a new vehicle. There is generally either a day or monetary limit to how long you can have a rental vehicle; however, those terms can be negotiated based on your specific circumstances.
Even if you don't pay for rental car coverage for your insurance, if your vehicle was damaged due to another party, that other individual's insurance may be obligated to pay for a rental car while your vehicle is being either repaired or replaced.
#3 Car Repairs
After an accident, your insurance should take care of your vehicle. An adjuster should be sent out to inspect the vehicle and determine the extent of the damage. The adjuster will determine if your vehicle is even still drivable as well as how much money they will give you for repairs. If the adjuster determines that the vehicle is totaled, they will compare your vehicle with similar vehicles in the area to determine the value of the vehicle and then offer you that cash in exchange for the title of your vehicle. This will allow you to purchase a new vehicle or put a down payment on a vehicle.
#4 Lost Wages
A benefit of car insurance that is often overlooked is the ability to recoup last wages. If you missed any work because of the accident and recovery process, you are entitled to lost wages. Lost wages allows you to get back the money that you missed out on earning. Even if your company paid you for sick days or vacation days, you can still claim lost wages, as you had to use your sick days or vacation days for an unintended purpose.
If you have been in a car accident, keep in mind that your car insurance is designed to help you through the accident and the aftermath by paying to fix up your vehicle, providing you with a rental vehicle, taking care of your medical bills, and reimbursing you for lost wages.
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