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Car accidents: Plan ahead to mitigate the consequences

When it comes to car accidents in Allentown, the best way to overcome the challenges is to have an emergency plan. Then, if the unexpected does happen, you may have far less to deal with.

Consider the following pointers when devising your emergency plan.

Know what to do at the scene

If you gather evidence, such as the other driver’s information, pictures of the damage and the surroundings, and insurance information, you are increasing the chances that you will be able to receive the compensation due to you. You should also ask for a copy of the police report.

Create a budget

Often, people leave the scene of an accident in an emergency vehicle. If this happens to you, you will likely miss at least some work while you recover from your injuries. Having a savings account with enough money to cover two or three months’ worth of expenses may keep you afloat until you receive the insurance settlement or other compensation. 

Check insurance coverage

Due to the exorbitant cost of medical care, you could end up with more expenses than you can pay. You may be counting on your medical insurance to take care of the initial costs and hoping that between the other driver’s auto insurance and your own, there will not be any costs left to come out of your pocket. However, you could be in an accident with a driver who is uninsured or underinsured, or the long-term costs of your care could even exceed all coverage.

This time is useful to review your insurance policy to learn exactly what it will cover in an accident. You may also want to call your insurance company and find out if there are options that you can add to make it more likely you will not have medical bills coming in with no means to pay them.

Auto accidents are often difficult to bounce back from emotionally and physically. A backup plan can help you avoid much of the financial stress and hardship that many accident victims encounter.