Some car crash injuries are catastrophic and remain with people to some extent for the rest of their lives. Brain injuries and spinal cord injuries, for example, can have lifelong implications. Other car crash injuries typically respond to treatment.
People with fractures or broken bones probably expect to undergo treatment and be back to life as usual within a few weeks. They likely expect insurance to cover all of their costs, but their expectations may not be realistic. In many cases, broken bones from car crashes may cost more than insurance can pay.
Total losses may exceed policy limits
Many drivers only carry the insurance the law requires, which means they do not have enough coverage if they cause serious injuries. While broken bones are not as severe as spinal cord injuries, they can result in tens of thousands of dollars in medical costs if they are serious enough to warrant surgery.
Additionally, they can cost hardworking people weeks of wages. A blue-collar worker with a leg fracture, for example, may be unable to work until they not only heal but also complete physical therapy.
They may be out of work for eight weeks or longer during their recovery, and the insurance available may not be enough to pay for their medical expenses and their lost income. In situations where losses are higher than the insurance coverage available, people may have the option of filing a personal injury lawsuit.
Getting experienced legal guidance to review current and projected medical expenses and insurance policy paperwork can help people understand their options. Successful car crash lawsuits can often offer better compensation than basic insurance claims. Those injured in a crash can schedule a consultation to look over their options for compensation with the Law Office of Aman N. Shah by clicking here.
