According to The National Highway Traffic Administration (NHTSA), car accidents happen every minute. In fact, car insurance estimates predict that drivers will file a collision claim every 17.9 years. This means throughout your driving life, you may experience 3 to 4 crashes. Along with the financial damage that a car accident can cause, there is always the chance of medical injury including the occurrence of orthopedic trauma and life-changing injuries. For those that experience injuries during a car accident, the recovery process is not always straightforward. In fact, it can be fraught with surprises. To help your recovery go a lot smoother, start by answering these questions.

Does Your Healthcare Policy Cover Your Medical Needs?

The medical costs that can come with a car accident can be devastating on several levels. The average emergency room bill is $1,500. The cost of hospital stays also averages $4,000 per day. Added to treatment and rehabilitation costs, medical costs can easily surpass $30,000. For many crash victims, a key concern during their recovery is how to pay for their recovery costs. One of the first questions to ask is: does my healthcare policy cover the costs?

While most insurance adjusters often recommend waiting for a referral to seek medical help (unless serious), drivers should always seek medical help as early as possible. It also helps to be familiar with what is covered in your healthcare and car insurance policy. The state of the accident will also impact the amount awarded in a car accident insurance claim settlement. For instance, Michigan’s No-Fault law allows healthcare insurance to cover car accident injuries if the person has coordinated no-fault auto insurance.

Will You Need Medical Help After The Accident?

Another thing to think about when recovering from a car accident is whether you will need assistance during your recovery. This will be dependent on the extent of your injuries. When choosing medical help after an auto accident, earlier is always better. Waiting to seek medical help can compromise any future insurance claims and can also exacerbate your injuries. This is particularly true for spinal injuries which may not be immediately apparent after the accident. You may also want to think about consulting an osteopathic physician specializing in accident injuries.

Are You Clear On What Your Recovery Will Look Like?

It also helps to think about what your recovery from the accident will look like. Will you be able to go back to work immediately after the accident? If not, this may have an impact on your earning ability and finances. On the health front, you may want to limit strenuous physical activity for at least 6 weeks after the accident- particularly if you sustained spinal injuries.

It is also worth checking whether your insurance covers the costs of mental recovery after a car accident. Mental effects like PTSD are prevalent in crash victims. To cope with the emotional trauma of an accident, you may need professional help including therapy and mediation sessions. If your insurance policy does not cover these costs, they will have to be paid by yourself. However, you may be able to recover these costs if you file a car accident claim and are found to not be at fault.