Would Your Insurance Coverage Be Enough in the Event of a Catastrophic Injury? Ask an Attorney at Jacobs & Jacobs, P.C.
After a serious accident, financial losses and needs can quickly overwhelm even well-to-do people. The most important thing anyone can all do to help themselves prepare for a possible accidental injury in the future is to have the right kinds — and the right amounts — of insurance. Some types of insurance are provided by employers; other forms of insurance must be purchased privately.
Before disaster strikes, you should sit down with your insurance agent and talk about the types of coverage that you have — and types of coverage that you need or may need to increase, such as the following:
- Auto insurance, including uninsured and underinsured motorist coverage
- Homeowners insurance, covering the true costs of loss of personal property in case of a fire or theft — and liability to cover possible injuries by other people while at your home
- An umbrella policy may cover extraordinary losses involving either your car or home if both are covered by the same insurer
- Health insurance — privately purchased or available through employers
- Short-term disability coverage (often available through employers)
- Long-term disability coverage
- Life insurance
Many people have these types of insurance and others designed to compensate in the event of accidents, illness, loss or death. However, many people are not aware of what their insurance will actually cover. For example, will your health insurance cover elective surgery recommended by your doctor? Is medical coverage on your auto insurance sufficient to cover a catastrophic injury if anyone in your family is in a serious accident?
If you have come to this Web site after a car accident, it is of course too late to obtain insurance to cover injuries sustained in that accident. However, a skilled personal injury attorney can help you locate and maximize recovery of benefits from all relevant insurance policies.
Many people have insurance coverage they are not even aware of. For example, many people have accident insurance on credit cards which may apply in certain circumstances. Many other people believe they are insured — only to find out too late that due to a technicality, the insurer can find a way to deny a claim. Contact your insurance agent to learn what your insurance policies actually cover. Contact us to schedule a consultation after a car crash, workplace accident, or other severe injury.
Jacobs & Jacobs, P.C. has been representing injury victims in Connecticut since 1950. Our New Haven lawyers welcome the opportunity to help you learn how to get the most from your insurance policies after an accident.
