The Californer - 19 Common Car Accident Injuries & How Much They Cost

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LOS ANGELES - Californer -- For the full list of 19 injuries see link at end.

Does Health Insurance Cover Accident Injuries or Car Insurance?
If the accident was your fault, the liability coverage you have will cover injuries to the other driver and their passengers, up to limits for bodily injury. After accessing the injury costs below this section, determine whether or not your limits are too low, as most minimum state requirements are.;

If you live in a state where personal injury protection (PIP) is required, your own car insurance covers injuries, up to limits. Determine whether or not your limits are too low after glancing at these common car accident injury costs below.

If the accident was the other driver's fault, their bodily injury liability coverage will cover your injury costs. If their limits are too low to cover the balance, you can get the remainder if you have uninsured motorist coverage (UM), which also covers underinsured motorists who may have limits that are too low or no car insurance at all. UM is required in some states.

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Your health insurance may pay for injuries and then car insurance companies then reimburse your health insurance through a process called subrogation..

What Are the Most Common Car Accident Injuries?

Whiplash
$2,500 to $10,000 [2]
When your neck is jolted forward and then back forcefully in a collision, it snaps like a whip, which is why the injury is called whiplash.;

After the accident, the neck may be painful or impossible to move, depending on how severely the neck's ligaments, muscles and tendons were injured. Some people also experience spasms, numbness or a burning sensation. Even blurred vision can result from serious whiplash.

Diagnosing whiplash and its severity requires x-rays, CT scans, MRIs and more. Immobilization in a neck brace is most common. You may need physical therapy and various treatments. In severe cases, spine surgery will need to be performed. [21]

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Spinal Cord Injury
$85,000 to $3 million [4]
$42,000 to $184,000 annually [3]
The spinal cord communicates with the brain and the rest of the body, and if the nerves are damaged, it will affect strength and normal functions below the site of the injury. The effects of the injury may affect mental health.

Tetraplegia, also called quadriplegia, is when your arms and hands as well as your trunk, legs and pelvic organs are affected by spinal cord injury by complete or incomplete paralysis. Paraplegia is complete or incomplete paralysis of the trunk, legs and pelvic organs but not the arms.

Symptoms of spinal cord injury after an accident should be addressed immediately. These are common symptoms:

For all 19 injuries visit https://smartfinancial.com/common-car-accident-injuries-cost for full article

Source: SmartFinancial

Filed Under: Consumer

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