After a car accident, you may be facing serious financial hardship. Medical bills and other consequential damages can really add up.
Here are some of the most important things that you need to know about getting compensation.
Insurance may not address your damages
Pennsylvania takes a no-fault approach to insurance coverage for claims involving bodily injury. Unfortunately, the state’s mandatory minimums for coverage are among the lowest in the country. Therefore, it is highly likely that neither you nor the driver who caused your accident will have sufficient coverage to provide you with a suitable remedy.
Be sure to consider the full extent of your damages
In the aftermath of a major accident, any opportunity to mitigate your losses might seem like the best course of action because it could offer you immediate help, albeit insufficient. However, you have to evaluate the full measure of the financial harm that you have sustained before settling a claim.
In addition to emergency care, you may need to undergo continuing treatment. Visits with specialists, diagnostic imaging and ongoing physical therapy could ultimately exceed the cost of emergency treatment. To recover the full amount of your medical expenses, initiating a claim against the driver who is liable for your injuries may be the best way to move forward.
Lastly, bear in mind that it is imperative that you take action as soon as reasonably possible. The more time elapses after an accident, the harder it may be to identify and compile evidentiary support for a claim against the responsible driver.