The collateral consequences of a truck accident

A Louisiana crash involving a commercial vehicle often results in severe injuries and vehicle damage that sidelines you from everyday activities. However, these aren’t the only issues that impact life after an accident. Care, recovery and rehabilitation can have long-term financial and emotional consequences.

According to the Property Casualty Insurers Association of America, automobile crashes leading to vehicle damage, injuries and fatalities in Louisiana are rising. While these are direct consequences of a collision, collateral consequences may cause significant damage over time.

Inability to work

Returning to life’s daily routines is paramount for most accident victims. However, depending on the severity of your injuries, returning to work may not be feasible. If your job doesn’t provide sick leave, or if you use it all before full recovery, this could mean the additional loss of wages until you can work again. You may suffer frustration and depression from the lack of productivity and activity.

Lack of transportation

If your car requires repair or replacement after a crash, it can make completing essential chores and tasks nearly impossible. Getting the kids to school and back, picking up groceries and getting to doctors’ appointments become challenging events. If you can work but cannot get there without reliable transportation, your job may be in jeopardy. Taking a taxi or rideshare everywhere or paying for a rental can become costly very quickly.

Financial setbacks

The financial impact of a crash is often severe. You may have medical bills piling up that you cannot pay, and the at-fault driver’s insurance policy does not cover. If your car had significant damage, the insurance might pay only a portion of the repairs or replacement value. Making up the difference lays squarely on your shoulders. These expenses can add up quickly and take a toll on your life.

It’s critical to understand your rights and the options available that can help you pay for damages and recover both your health and finances after a collision with a big truck.