The true cost of a car accident is often wildly underestimated.
The effects of a car, truck, or motorcycle accident can linger long after the initial collision. Some injury victims struggle with severe physical, emotional, and financial challenges for months or even years.
Hopefully, if you are involved in a collision, it will have little effect on your life. But if you’re like millions of others who are still struggling to overcome the lasting consequences, you should know how a crash can impact you now and in the future.
First, Know Your Odds of Experiencing a Car Accident
A car accident is a common experience, but you may be surprised to learn how common it is. The odds of experiencing an auto accident are much higher than we’d like to believe, with 77% of drivers having been in at least one crash.
Insurance companies estimate that a driver will file a claim about once every 18 years. Which means if you receive your driver’s license at age 16, you will likely have a crash by the time you are 34. The average person may endure 3-4 car accidents over the course of their lifetime.
Next, Recognize the Lasting Consequences On Your Health and Well-Being
Some car accident injuries are minor and heal quickly. Others are more serious and may lead to chronic pain and disability. If you’ve been in this situation, you know how car accidents can have serious and lasting impacts on your life.
Possible changes include::
Physical injuries: Which may include spinal injuries, traumatic brain injuries (TBI), soft tissue injuries, internal bleeding, etc.
Emotional trauma: For some, the psychological scars can be just as debilitating as physical injuries. This trauma may present in a variety of forms, including post-traumatic stress disorder (PTSD), anxiety and/or depression, insomnia, anger or increased fears around driving.
A survey of 1,500 respondents by The Zebra found roughly 66% of Americans experience driving anxiety, with 62% of Americans reporting involvement in a traumatic driving incident.
Financial impact: The financial impact of a car accident can be wide-ranging. Common costs include medical bills, lost income or reduced earning potential, and vehicle repairs.
Lifestyle changes: In some cases, injury victims may need long-term medical treatment, physical therapy, and counseling, adding further expenses for years. This can disrupt their lifestyle because of restricted mobility, loss of employment, loss of hobbies, or relationship strain.
Next, Realize the Potential Limitations of Car Insurance Coverage
Unfortunately, not every injury is resolved when the insurance claim is paid.
In 2022, the average auto collision claim in the United States was $5,470. Yet the National Safety Council shows the economic and comprehensive costs of motor vehicle crashes, depending on severity, are often quite a bit higher.
Finally, Know What You Can Do Overcome the Long-Term Effects
The best defense is sometimes a good offense. Use this guide from Consumer Reports to assess your auto insurance coverage.
If you’re suffering from fear and anxiety, the following tips can help lead you to a safer, more confident driving experience.
- Understanding your triggers
- Practicing mindfulness or meditation
- Talking with a mental health professional
- Taking a safe driving course
- Preparing a car safety kit
And if you are injured in a car, truck, or motorcycle crash, you deserve fair compensation to help cover these losses. An experienced car accident lawyer can advise you on your rights and appropriately address your long-term needs. Contact us today to discuss the specifics of your case in a free consultation with an experienced personal injury lawyer.