When you get into a car crash, a traumatic brain injury (TBI) is one of the most concerning injuries you might suffer. Brain injuries could lead to lasting physical limitations and a lengthy hospitalization followed by intensive rehabilitation efforts.
Although you may expect to file an insurance claim, the costs your family has to cover will be much higher than the policy limit on the average liability policy. The unfortunate truth for those who hurt their heads in motor vehicle collisions is that basic car insurance is often far too low to properly reimburse them for their losses.
People tend to vastly underestimate how much a TBI will cost the person hurt and their immediate family. They may settle for too little from insurance or fail to take the party to blame for the injury to court before the statute of limitations makes a claim impossible. Why are TBIs so expensive?
They require ongoing medical care
One of the most common misconceptions about a TBI is the belief that individuals will not require much medical support after their initial diagnosis. In reality, TBIs often lead to ongoing support needs for the rest of someone’s life.
In extreme cases, families may need to cover millions of dollars in medical care costs. From surgery after the injury to occupational therapy, while someone recovers, many medical expenses could be beyond what you anticipate and what insurance will cover following a crash.
They lead to lost earning potential
Every brain injury creates a unique series of symptoms. Some people have changes to their speech or issues with sensory perception. Common symptoms for brain injuries range from vertigo and changes in personality to issues with falling asleep at night or waking up every morning.
The symptoms someone experiences from a TBI may last for the rest of their life and could limit their ability to continue performing in their current job. Income reduction is common when someone has a serious traumatic injury like a TBI that requires frequent medical appointments and accommodations on the job.
Identifying and accounting for the biggest expenses associated with brain injuries after a car crash can help you fight for appropriate compensation.