Even a minor fender-bender could affect your job performance. It can make you late for work or force you to miss a crucial meeting with a client who refuses to reschedule. Those who simply have to wait to speak with a police officer to file a report could spend the rest of the day or week playing catch-up over the time they lose.
More serious car crashes tend to take more time to resolve and have a more significant impact on someone’s work ability and overall job performance. If you experience a major collision, you could end up dealing with injuries that forever limit the job functions you can perform.
What protection do you have after a car crash affects your employment options?
You can file an insurance claim, but it may not be enough
Every driver in Arizona should have a liability policy on their vehicle. If they cause a crash, anyone else with losses related to the wreck can make a claim against their coverage. However, the car insurance coverage that Arizona requires does not really reflect modern healthcare costs. Drivers may not even have enough to pay for someone’s immediate medical expenses
If the other driver only has $25,000 worth of bodily injury liability coverage, you may be left with thousands of dollars in medical bills. You may also have expensive secondary costs in the form of your lost wages or earning potential.
What happens when there is a coverage gap?
There are several options available to people in Arizona hurt in car wrecks. Sometimes, when the other did something illegal or very dangerous, someone hurt in a crash may have grounds for a personal injury lawsuit. A judge could award them the full lifetime impact of their injuries.
Of course, a driver with that insurance may have neither the personal property nor the income to fully compensate someone with serious injuries. Sometimes, those impacted by car crashes may need to look into third-party claims. There could be someone else, possibly a business, with partial liability for their recent crash.
Understanding why you may need more than insurance can provide will help you better handle the financial consequences of a motor vehicle collision.