Helping Victims Make The Right Choices After A Car Accident

Different Types Of Accidents

As a motorist, you are constantly required to identify and respond to hazards. However, accidents can still happen while you are vigilant. Another driver’s negligence can lead to any number of serious collisions:

• Side-impact: You could be far more vulnerable to a driver hitting you in the side, often referred to as a “T-bone” collision. Many car protections are designed for an impact in the direction of travel, while additional protections like side airbags are not universal.
• Rear-end collision: The impact can be more jarring when you do not see it coming. These often happen when you are stopped at an intersection, or yielding to another driver in traffic. Another driver’s distraction or impairment could cause them to hit you at a much higher speed, especially when they fail to apply the brakes.
• Head-on collision: The force is multiplied when you collide with another vehicle traveling in the opposite direction. Though seatbelts and airbags are generally designed for these situations, they aren’t capable of negating such an impact. These types of accidents can cause severe injuries and fatalities.
• Contact while merging: You can lose control and be sent into harm’s way when a car makes contact with the side of your vehicle. Without the ability to steer out of danger, you are susceptible to other vehicles and barriers.
• Multiple vehicle accidents: The damage is likely to compound with more vehicles involved. The greater threat of injuries, the larger amount of danger and the increased number of insurance companies involved can make these serious accidents incredibly challenging to navigate.

How Debt Piles Up Following A Car Accident

Car accidents cost millions upon millions of dollars each year. The cost of a car accident is not singular. Yes, car accidents cost quite a bit of money when it comes to physical damage to the vehicle, but they also cost money in various other ways. One of those ways is when the victim of a car accident cannot return to work and winds up going into debt. This is another cost of car accidents.

One of the biggest ways debt piles up after a car accident in Louisville is when the victim cannot go to work due to his or her injuries. Being out of work means it becomes too difficult to pay for utility bills, the mortgage, student loans, car loans and credit card bills. All of these unpaid bills pile up month after month until the victim is in a ton of debt.

Debt can also pile up after a car accident when the victim has a pile of unpaid medical bills. Being injured in a car accident means you will have been transported via ambulance to a hospital, been subjected to various tests and maybe even required surgery. All of these bills are hefty, especially if your medical insurance won’t cover them or will only cover them partially.

Debt following a car accident can be incredibly difficult to pay. Even if you received a settlement from the accident, it might not be enough to pay for medical bills and everyday bills.

Car accidents are very common on the roads of Louisville. They can also be quite tragic. It’s best that you have the proper insurance lined up prior to hitting the road and always seek medical attention if involved in an accident.

Why You Should Seek Legal Advice As Soon As Possible

If you have been involved in a car accident that wasn’t your fault, it is important to speak to an experienced lawyer as soon as possible. Your right to file a personal injury claim is subject to strict time limits. It is crucial to act quickly and preserve your ability to fight for compensation.

Attempting to deal with the insurance company of the at-fault driver on your own can be costly. Insurance adjusters will do almost anything to minimize the amount they have to pay. Here are just a few examples:

• Check your posts on social media for information that can minimize your injury
• Ask you to make a recorded statement and then use your statements against you
• Ask you to sign a release form that will give the insurance company access to all of your medical records — even those that have nothing to do with the accident
• Offer you a lowball settlement that will bring your case to an end