Coverage Offered by Personal Injury Claims – After a car accident; the pain and stress of being a part of such an event, takes a great toll on the physical and mental state of the person involved. If that itself isn’t enough, insurance companies can give you a hard time when you file for a personal injury claim.
Having a better idea beforehand, of the types of coverage offered by personal injury claims, can greatly reduce your stress and enable you to understand whether you are eligible for a personal injury claim or not. It will also give you an idea of what to expect in the form of coverage from your insurance company under personal injury laws.
Mentioned below are some of the expenses that are usually covered in a personal injury claim. The coverage may differ on the basis of the type of insurance you have signed up for.
Medical Expenses
You may receive coverage for a wide range of medical expenses when you file for a personal injury claim. The following expenses may be covered under your claim:
- Hospital costs
- Dental costs
- Optical costs
- Surgical costs
- X-rays costs
- Prosthesis costs
- Chiropractic costs
- Rehabilitation costs
- Prescription drugs expenses
- Ambulance costs
- Nursing costs
Here, it must be highlighted again that all the expenses mentioned above, may not get coverage under your claim. It totally relies on the type of insurance that you currently have and the amount of coverage you have chosen.
Loss of Income
In case you get wounded in an accident and are unable to work, you can still claim your monthly income under personal injury laws. Moreover, if you run a self-employed business and have hired employees temporarily to substitute you while you recover, you can file for a personal injury claim to assist you in covering the costs incurred on hiring the extra staff.
Funeral Expenditure
Although we all avoid thinking about such matters, it is important to understand that funerals can be quite expensive. In case of a fatal accident, your family will already be under the stress and grief of losing a loved one and the burden of extra expenses will be far from welcome. By opting for funeral expense coverage in your personal injury insurance, you will ease the financial burden of your family even in case of your death. These claims usually cover essential funeral, burial and cremation expenses.
If you wish to understand how much coverage will be offered by your personal injury insurance for funeral expenses, contact Keys Law Offices to consult an expert personal injury attorney.
Survivors’ Loss
If you are running the family with your earnings, your family will be left in a mess after you are gone. Get a personal injury insurance package that offers survivors’ loss coverage to compensate for the income loss and other expenses to help sustain surviving dependents.
For professional advice regarding personal injury insurance, consult Rick Keys at Keys Law Offices.