When a motorist loses control of their vehicle or doesn’t pay attention to their surroundings, they can cause a collision that has long-term negative consequences for the ones they hit. Some injuries can cause permanent consequences and complications for your life. At the least, you will likely worry about the loss of income and have concerns about how to pay for medical care.
Whether you suffered a brain injury, multiple broken bones or a spinal cord injury in a motor vehicle crash caused by another driver, the medical bills after a collision can be six figures or higher. Who will pay those bills for you?
Car insurance usually pays for injuries related to a crash
While you may have a decent medical insurance policy, the chances are good that the policy requires co-pay, co-insurance or has a very high deductible that must be met before the insurance company will cover your costs. Especially if you can’t work after a car crash, those expenses could be impossible for you to cover.
Thankfully, the insurance policy for the driver who caused the crash will have coverage for your medical costs. The minimum policy in Kentucky requires $25,000 worth of medical coverage if one person gets hurt and $50,000 worth of coverage for two or more injured people after a collision.
What if there isn’t enough insurance?
Sometimes, drivers carry the minimum insurance policy allowed, which won’t cover all of the costs of those involved in the crash. Other times, the driver may have a lapsed insurance policy that offers no protection whatsoever.
In a situation where there isn’t enough insurance or there isn’t a valid policy that applies, you may have to pursue a personal injury lawsuit against the driver who caused the crash to recoup the costs associated with your medical care.
