Is a Personal Injury Going to Drive You Broke?

Is a Personal Injury Going to Drive You Broke?

Auto collision involving two cars

Auto collision involving two cars

Driving has so many facets to it.

Not only do you need to be aware of your own driving skills, and stay off devices and maintain sharp focus, but you also have to be aware of everyone else’s driving. Though you’re not texting and driving, who knows who else on the road is?

Not only can a crash cause damage, injury, even death, but it also can affect your car insurance if it’s your fault.

The key is safe driving, whatever the case may be, and with attention to what’s around you, avoiding distractions and maintaining smart driving skills, you can hopefully avoid a devastating crash.

Safety Should Always Come First

Among the ways to stay safe on the road:

  • Put down the mobile device – Your mobile device is the biggest distraction. It takes your hands off the wheel, your mind off your driving and your eyes off the road. Just put it down, no excuses. Anything can wait.
  • Remove other distractions – Don’t try to eat that burrito while driving, apply your mascara or tune the radio. Just drive.
  • If you are fatigued, take a rest – Pull over, or wait to get in your car. Tired drivers cause thousands of collisions each year, too many resulting in death. Don’t risk it.

Injuries:

  • If you are in a collision, stay where you are. If you can, pull your car off the road so it doesn’t cause other collisions. Never leave the scene.
  • If you are okay, check to make sure others involved are okay. Don’t try to move someone who has neck or back injury.
  • Call the police and exchange information. See if any witnesses are around who are willing to stay and share their story.
  • Realize whose fault the collision was. If it was not yours, make sure it’s clear in the police report. If it was yours, you may want to seek legal help if you need it.
  • Keep records of any medical help and doctor visits that you go to.

As the following article “How a personal injury claim can affect your car insurance rates” notes:

  • If you are in a collision with personal injury that was not your fault, your insurance should not be affected.
  • If the collision was your fault, and personal injury was sustained, yes, your insurance can be affected. You’ve just become a riskier investment for your insurance company, and your rates will probably go up. The more claims against you, the more it will go up.
  • You may be dropped from your insurance and have to find a new policy that may cost more and cover less.

Driving is a big deal.

It’s not the time to text, fiddle around finding your favorite song or daydream about your dinner plans. You’ve got to stay focused and alert – not only is your car insurance at risk, so are lives.

Pay attention on the road; you’ve got time for other things later.

Photo credit: Thinkstock.com
About the Author: Heather Legg is a freelance writer who covers topics related to driving, social media and education.

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