How Much Can A Crash Really Affect You?
Your car does a lot for making your life easier. It transports you faster than your legs ever could, even if you were the fastest person alive. It can carry a lot more in the back than your back could ever manage. It can take all the people you want along with you, carefully strapped into the backseat to keep your social life on the up and up.
You have insurance to make sure you’re as safe as possible on your road travels, even with adherence to all the rules of the road. All in all, you know you wouldn’t be anywhere without your car – it’s integral to your lifestyle, and it’s worth the money you’re schilling out for it every month.
But there are some moments in life when your car isn’t worth the money you pay to operate it, and one of those moments is when you get involved in an accident. Your car can be totalled relatively easily on the roads these days, and you might just be spending months saving up for a new car when your insurance doesn’t quite cover a new vehicle…
And the effects of a crash don’t quite stop there. Your car, instead of making your life a lot easier and convenient, can make it a lot harder and more difficult to try and get through. So with all that in mind, let’s take a look at some of the ways a crash can affect you that people don’t often think about.
Different Insurances Cover Different Crashes
No matter what insurance policy you invest in for your car, there’s a good chance, not every kind of accident you can be involved in will be covered by it. This is something you should always be aware of when you’re on the road, and as a result, you need to read the fine print carefully.
You want to find the policy that’s most likely to keep you and your finances safe, considering the common statistics in your area, thus making sure you’re never wasting any time or money. After all, you can’t operate your car on the road, legally, without having some insurance, and thus there’s little chance of you being able to navigate these limitations.
So you have different kinds of car insurance, and it’s quite obvious that one type of policy won’t cover you in the way another type will. Most people will look to get themselves some kind of third party insurance, which covers your vehicle in the case of someone else hitting you and taking the blame for it. But this policy won’t cover you if there’s no clear fault in the accident, and you could have a lengthy court case ahead of you without any support from the insurance side of things. Because of this worry, vehicle owners tend to opt for more premium cover, and rightly so.
Comprehensive insurance will do the most for you, and even when an accident is your fault, you can claim against it. Even when there’s no clear fault, as we mentioned above, you can turn to your insurance company for help.
The repairs will be taken care of, and you won’t have to pay for anything more than what you originally agreed in case of an accident when you first took out the coverage. Sure, this plan might just be a little bit more pricey compared to something more basic, but it’s going to be worth it – not to mention, not all comprehensive coverage prices are made equal!
A Crash Can Be More Expensive Than You Think
Crashes are going to take a huge chunk out of your life, no matter who you are or where you come from. All kinds of things can occur during and after a road accident, and most of all, you won’t be sitting pretty with a full bank account after it’s over. The worst part is, you’re going to need your finances at a time like this more than ever, especially considering the idea that you might be out of our work or need to pay for alternate transport at this time. It’s all going to add up and up, and you’re probably not ready to take this situation on.
A minimal car crash can cost a driver anything up to about $1000, and that’s when your car is still operational afterwards. Because of this huge drain at even a basic level, you’re going to need to make sure you’re not making any mistakes in how you handle the situation, as the prices are only going to climb up from there.
So once you’ve contacted your insurance to put in a claim, to make sure the car that either need repairing or writing off completely doesn’t become more trouble than it’s worth, you’re going to need to turn to some legal aid.
Not only will you most likely have to look into some Legal Help For Car Crash Injuries, but you’re going to need to get the right amount of compensation to deal with all the difficult ramifications an injury can cause you. And that can take a lot of money – do you have a rainy day fund for times like these?
If not, you’re going to need to start budgeting your legal counsel: most lawyers tend to require payment by the hour, and that can be anything from about $100 to $500 per 60 minutes. That could set you back further than you ever thought possible!
There’s a Lot of Potential Delayed Onset Injuries
We all know how much a crash or other accident can hurt us as it happens, and we’ve all seen these videos of crash test dummies being flung about and crushed by the impact of the prototype vehicle they’re in colliding with something. It’s a worrying thing to think about, but even more worrying is the idea that injuries can occur even after an accident, and you might not even know they’re doing so.
First of all, if you’ve been involved in a car accident, you’re probably going to experience headaches a few days after it occurs. This is quite common, as whiplash is the number one injury of a car accident, even when you’re wearing your seatbelt.
But they can also signify some kind of concussion, which can be serious if gone untreated – be sure to visit a doctor whenever you start feeling aches in pains around your head.
Secondly, your back may start playing upon you, seeing as your muscles, tendons, and ligaments can be very easily strained or ripped here. The back is a strong part of your body, however, and usually, it will take a few hours at the least for this part of your body to start hurting. Be sure to get yourself booked in for some kind of scan if this occurs.
There’s plenty of other symptoms a car accident can cause you, such as abdominal swelling or a bit of numbness here and there, which can both minimal and major injuries in equal measure. Be sure to read through this quick list if you want to know more about any of the above symptoms in particular.
That’s the worst part of the physical ramifications of a crash: you don’t know just how much it might have injured you. And once your body is all sorted and cleared by a doctor, you’re going to have to focus on your mental health too.
PTSD is a very common issue that crops up after car accidents, as you might not be able to come to terms with the fact that you were involved in one. Not to mention it’s a lot harder to fix an injury to your mind than it is to your body; know the signs, and be sure to reach out if you’re experiencing them.
It’s better to try and put a long term problem like this to rest as soon as possible, rather than attempt to wait it out.
Car Crashes Can Be a Lot More Dangerous Than We Think
Car accidents are very common all the way around the globe, and because of this, they’re a part of daily life we learn to accept. If you’re a new driver, you’re probably constantly thinking about how you can avoid a crash, obeying all the rules of the road and never going out on it unless you need to.
But as we become more and more experienced drivers, we can forget about these rules, and start becoming lazy with the way we drive and how careful we are about it.
Any kind of accident is going to have serious ramifications for the people involved, whether they’re the ones officially at fault or not. So be sure to know the ins and outs of your insurance policy, who you can turn to for help and what it’ll cost, and the injuries to look out for.