Advice Needed: Bodily Injury Accident
Hi everyone,
I’m not very familiar with how Reddit works, but I could really use some guidance regarding an accident I was involved in. I don’t want to share too many details since it just happened, but I wanted to mention that the other driver was taken to the hospital by ambulance with a serious lower leg injury. While I didn’t see any visible fractures, he managed to limp from his vehicle to the passenger side to sit down after the crash, so I can’t confirm the extent of his injuries beyond that.
My insurance coverage is 100/300/100, and I’m concerned about the potential costs of medical treatment, which can add up quickly.
I’m worried that I may lose everything I have because I’m unable to cover any expenses beyond what my insurance provides. This has been causing me a lot of stress and sleepless nights, as I fear this incident could jeopardize everything my wife and I have worked hard for.
If anyone has gone through something similar or has any advice, I would greatly appreciate your input. Thank you!
I’m really sorry to hear about your situation; that sounds incredibly stressful. While I can’t offer legal advice, I can share some general insights that might help you think through your options.
Insurance Coverage: You mentioned having 100/300/100 coverage, which typically means your policy will pay up to $100,000 for bodily injury per person, and up to $300,000 total per accident for all injured parties. If the other driver’s medical costs exceed that, your insurance should still handle claims up to that limit, but you may be liable for anything over that amount.
Communication with Your Insurer: It’s crucial to keep your insurance company informed. They can guide you on the next steps, including handling claims and dealing with medical bills. Be honest about the circumstances of the accident, and they can provide you the best possible support.
Consult an Attorney: If you’re worried about potential liability exceeding your insurance limits, it might be wise to consult a personal injury attorney. They can help you understand your rights and obligations, and may also help negotiate with the other party or their insurance.
Asset Protection: While it’s understandable to worry about losing your assets, most states have laws that protect certain lengths of property and income from creditors. An attorney can clarify what might be at risk in your case.
Stress Management: The stress of the situation can be overwhelming. It’s important to take care of your mental health during this time—consider talking to a professional or seeking support from loved ones.
Ultimately, you’re not alone, and there are resources and professionals who can help guide you through this. Take a deep breath, and try to tackle one step at a time.