Did you meet with an accident even after being careful on the road? You need not worry if the untoward incident that involved your car wasn’t your fault, and you already have the backup of comprehensive car insurance. By far, comprehensive car plans are considered one of the best car insurance policies available because of their broader coverage.
So, should your vehicle be insured comprehensively, you might have to deal with fewer financial hassles during unanticipated road events. All you must do in times like these is contact your car insurer and file a claim. Rest assured, your motor insurance provider will tackle the issue.
If you have other queries about claims on adverse road incidents you weren’t responsible for, quickly call up your insurer to have your doubts clarified. Meanwhile, read about some common injuries during a road accident.
1. Pneumothorax or Hemothorax – even while wearing a seat belt, especially at high speeds, these are common. A hemothorax consists of blood in the thorax around the lungs, pneumothorax consists of air leaking into the thoracic cavity. Pneumothorax can be treated relatively easily in the field with a procedure called needle decompression, placing a large cannula into the second intercostal space on the affected side. This is usually only done when the patient has absent breath sounds on one or both sides and is in respiratory distress. A hemothorax is usually treated in the hospital with a chest tube.
2. Spinal injury – usually the cervical spine. There is a saying, “above C4, breathe no more.” Spinal separation above the 4th cervical vertebra leads to the inability to breathe without assistance.
3. Liver and spleen rupture – the liver is kept in place by the ligamentum teres, and the spleen by the lienorenal ligament. When you stop abruptly during a collision, your organs continue forward. These ligaments can act as a cheese slicer, cutting open the organs.
4. Bladder rupture – I always try to empty my bladder before driving and often on long trips. A full bladder can rupture as a result of impact or the aforementioned continued movement of organs into the body.
5. Long bone fracture – I saw this often, generally in the right leg (pressing the brake) or in the arms (gripping the wheel.
6. Cerebral damage – again, objects in motion will remain in motion until acted upon by an outside force. In the case of the brain, that means the skull. This can cause a concussion or, worse, an epidural or subdural hematoma.
You need not worry much about the finances involved in dealing with the vehicle loss/damages if you are fully responsible for a car collision and have a comprehensive car insurance policy. Because accidents do happen, and that is why there are car insurance policies that offer broader coverage.
However, remember that you need to have car insurance before an untoward event occurs to get through unforeseen road events with little economic trouble.
All that you need to do is raise an at-fault claim with your car insurer, pay the necessary excesses, and your insurer will take care of the rest. They may settle the claim by contacting the victimized party’s insurance provider or the victim themselves if uninsured.
However, every at fault claim you make affects your no claims discount (NCD) or claims-free discount during policy renewal.
Whether or not you are sure about whose fault it was that caused the car accident, you must first reach out to your insurance provider and inform them of the mishap. Also, you must know that motor insurance policies are affordable but provide only basic coverage and will not cover your vehicle loss/damage. Only comprehensive car insurance policies include that precious benefit. So, before buying a policy, carefully read the policy disclosure statements to understand the benefits you are signing up for.