About 6,015 people suffer serious injuries on Tennessee roads per year, according to the state highway safety report. When a loved one is dealing with injuries, the experience can be overwhelming and distressing for everyone.
Coping with the aftermath involves navigating various challenges.
1. Navigate the insurance maze
One immediate fear that may arise is the complex process of dealing with insurance companies. It is important to promptly report the accident to the relevant insurance provider. Obtain and organize all necessary documentation, such as the police report, medical records and any witness statements. Communicating openly and transparently with the insurance company helps ensure a smoother claims process.
2. Determine fault and liability
Understanding who is at fault in the accident is necessary, not just for insurance purposes, but also for potential legal implications. Tennessee follows a “fault” system, meaning the at-fault driver and their insurance are responsible for covering damages. Gathering evidence, such as photos from the scene, witness statements and police reports, is important in determining fault.
3. Address financial concerns
The aftermath of a serious car accident often brings forth fears related to financial stability. Families worry about whether their loved one can still work or provide for the family. In such situations, it is worth exploring short-term disability options, workers’ compensation and any available resources that can alleviate immediate financial strain. Communicating with employers and seeking professional advice can help families understand their options.
4. Seek emotional support
Dealing with a loved one’s serious car accident is emotionally taxing. Families may fear the long-term impact on their loved one’s mental health and well-being. Encourage open communication within the family and seek professional support, such as counseling or therapy, to navigate the emotional challenges that arise during recovery.
While the aftermath of a serious car accident can be daunting, facing these fears head-on and taking proactive steps can help families navigate the challenges.