Getting involved in a car accident greatly depletes our resources; and car accident claims are a big help that can lift us up from this bind. The total cost of a car accident is truly enormous. This can amount to thousands of dollars, considering that you have to pay for your car damage, personal injuries and increased car insurance premiums. Thus, it will be a relief if you are able to benefit from your own car insurance company or from the car insurance company of another vehicle involved in the accident, notwithstanding if it is your fault or not.
However, in order to best take advantage of the benefits you can derive from car accidents (such as a whiplash claim), you also need to be oriented about this so you will know what is due you and benefit from it. One is that even though you do not own a car nor are insured under any car insurance policy, you will still be entitled to such car accident benefits. In this scenario, you will need to apply to the insurer of the car you were in that was involved in the car accident. On the other hand, if you were a pedestrian, you will also be entitled to the same car accident insurance claims. You will also need to apply to the insurer of the car that hit you. Anyway, drivers are all required to have a car insurance coverage.
Let me go over the types of car accident benefits. There are actually several. The first one is the income replacement benefits. This refers to getting a monetary equivalent for the days that you are not able to work as a result of the accident. This can amount to 80% of your net income. Another type of benefit is the non-earner benefits. This is for those unemployed at the time of the car accident. Such car accident victims though need to prove that they have suffered a “complete inability to carry on a normal life,” in order to be eligible to file their car accident claim. The next type of benefits is called caregiver benefits. This applies if, at the time of the accident, you lived with a person who required care. Next, we have the medical and rehabilitation benefits. You will also have to prove entitlement for this type of benefit. Should you be able to do so and you have not sustained any “catastrophic impairment,” the insurer will be obliged to pay you a certain amount over a period of time after the accident as deemed necessary. But if you get to prove that you have sustained a “catastrophic impairment,” the insurance company will be asked to pay a certain amount over the span of your life.
There are also what are called as attendant care benefits as well as death and funeral benefits for car accident claims. There are also other available benefits for car accident settlements subject to investigation, depending on the situation of the car accident victims.
For sure, it is not fun being a party to a car accident. The only consolation that we do get, if ever, would be the benefits available to us by way of car accident claims.
This article was sourced and rewritten with consent from www.whiplashclaim.org.uk.