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Spinal cord injuries often cost more than insurance will cover

On Behalf of | Feb 21, 2022 | Personal Injury

Someone involved in a serious motor vehicle collision could suffer a spinal cord injury. Even incomplete injuries that don’t sever the spinal cord will require more than $300,000 worth of medical care in the first year after a crash. Spinal cord injuries also create ongoing costs that persist every year for the rest of someone’s life.

They will need continual medical support and, in some cases, may suffer a significant reduction in their income because of their new physical limitations. Many times, someone with a spinal injury from a car crash will need to look into third-party liability or a civil lawsuit because of their expenses.

You shouldn’t have to absorb a lifetime of medical expenses

You didn’t cause the crash, but you are the one dealing with a life-altering injury. You can make an insurance claim, but that may not be enough to cover your medical expenses and lost wages.

The other driver might have just $25,000 worth of bodily injury liability coverage. You can supplement that with your uninsured and underinsured motorist protection, which is included on most policies unless you specifically waived that coverage. Still, when you consider the lifelong expenses associated with the spinal cord injury, it is easy to see how even the combination of the two insurance policies won’t be enough.

A civil lawsuit against the driver who caused the wreck or someone with third-party liability could help you cover more of your injury expenses. Exploring all of your options for compensation if you injure your spinal cord in a car crash can protect you from financial loss.