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2 injuries that could far exceed what car insurance will pay

On Behalf of | Apr 4, 2022 | Personal Injury - Plaintiff |

A car crash could break your arm or leave you with a big cut on your forehead, or it could cause far more serious injuries. You probably know that the driver who ran the red light is the one at fault and that their insurance will pay for your medical bills.

You can go to a hospital for care even if you don’t have your own health insurance policy. Getting care is important, but you also need to know the limits of the coverage available to you. In California, a driver who hurts one person in a crash could have just $15,000 of medical liability coverage.

The costs of care for two less-common but serious crash injuries will almost certainly exceed the insurance coverage available.

Traumatic brain injuries

A mild traumatic brain injury with no lasting symptoms may not require more than a few medical exams.

However, a moderate to severe brain injury may require emergency medical care and rehabilitative support. In extreme cases, people may require mobility assistance or life support because of a brain injury.

Spinal cord injuries

Damage to your spinal cord is one of the most extensive injuries possible. It will cost hundreds of thousands of dollars, sometimes more than a million dollars, for you to receive the necessary care for your injury over the rest of your life.

Ongoing care costs may not be as high as the emergency costs you incur, but you are almost certain to exceed what insurance the other driver has available even with an incomplete spinal cord injury.

Learning about insurance protections after motor vehicle crashes will help you handle claims and look into other options for compensation.

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