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Mind the Gap: The Limits of your Accident Benefits

Mind the Gap: The Limits of your Accident Benefits

Danielle BartlettAccident Benefits are an important part of your insurance coverage.  If you are injured in an automobile accident, regardless of who caused the accident, you may be entitled to supplementary medical, rehabilitation and attendant care, caregiver, non-earner and income replacement benefits.  While some individuals may initially qualify for the “Non-Catastrophic” level of coverage [$65,000 monetary limit up to 5 years of coverage], if your injuries are deemed to meet the criteria for Catastrophic injuries, the monetary limits increase to $1 million dollars over your lifetime with additional coverage for housekeeping and home maintenance as well as case management services.

This can represent a significant gap in benefits should your injuries not be deemed Catastrophic therefore it is important that to be aware of how much money is being spent within the $65,000 cap. Treatment can quickly use up your accident benefit funds, leaving injured persons in need of further treatment with no access to funding for additional treatment.

A lawsuit can take years to compensate you for your ongoing rehabilitation needs, leaving you with nothing to bridge the gap between the levels of Accident Benefits coverage.

We can assist you with managing your accident benefits and advise you of your legal rights. Contact us for a free 1-hour consultation.