How insurance can change your life to a billion dollars

How insurance can change your life to a billion dollars

A car accident can have severe repercussions, some of which extend beyond the immediate or the obvious. If you have been involved in a car accident, one way that you can reduce the impact that the wreck will have on your future is to hire an experienced Louisiana car accident attorney, who will work hard to protect your rights and pursue the compensation you deserve. The following are 15 ways that a car accident can change your life:

 1. Getting Around Without a Vehicle

If you are involved in a car accident and your car is damaged, it may be out of commission for a few days. If driving your car is something that you rely on every day for commuting to and from work, running errands, etc., this can have a huge impact on your life. What’s worse is if your car is completely totaled, especially if you do not have the funds to purchase a new one.

 2. No More Free Time After A Car Accident

Dealing with the aftermath of an accident is a major time suck. Things that may take up significant amounts of time include seeking treatment for injuries (dozens of doctors’ appointments, hospital visits, trips to the pharmacy, physical therapy sessions, etc.); dealing with an insurance adjuster; gathering evidence; scheduling vehicle repairs; etc.

3. Costs of Vehicle Repair After An Accident

Getting your vehicle repaired can be costly, totaling hundreds or even thousands of dollars. If insurance is denying the claim, you may be forced to choose between paying for these costs out-of-pocket and possibly suffering financial problems as a result, or not getting your vehicle repaired and therefore being without your primary means of transportation.

4. Traffic Tickets Resulting From A Car Wreck

When an accident occurs, you have a duty to report the accident to the police. When the police arrive, they will almost always make a quick determination about who did what and who was at fault, and they will hand out a traffic ticket, or tickets, as a result. Traffic tickets may increase your insurance premiums and affect your ability to get certain jobs (driving jobs), in addition to costing you money.

5. Higher Insurance Premiums After A Car Wreck

One of the most costly things about a car accident is this: If you are found to be at fault for the accident, or even partially at fault, your insurance company is likely to respond by raising your monthly insurance premiums. Over time, even a slight increase in insurance premiums can add up to hundreds of dollars lost. Read more about auto insurance premiums on the website of the Louisiana Department of Insurance.

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6. Emotional Damages Resulting From A Car Accident

Car accidents often do more than just cause financial losses, property damage, or physical injuries. They can cause emotional damages as well. A person who is involved in a car accident may have fears about getting in a car again, may suffer from post traumatic stress disorder (PTSD), or may develop other emotional problems, such as depression, due to injuries, financial losses, and more. Emotional damages are more common in accidents where injuries are severe.

7. Long-Term Physical Injuries From A Car Wreck

The most serious of accidents can cause injuries that are permanent or long-term. Some serious injuries that may not heal with time include spinal cord injuries, traumatic brain injuries, and injuries that lead to permanent scarring or disfigurement, such as burn injuries or amputation injuries.

8. Short-Term Injuries Following A Car Accident

Although short-term injuries are not as serious as long-term injuries, they can still be extremely painful and cumbersome. Short-term injuries can result in high medical bills, prevent a person from being able to work, and put you out of commission, so to speak, for days, weeks, or even months at a time.

9. Death of a Loved One Resulting From A Car Wreck

The most tragic thing that can result from a car accident is a death. If you lose a loved one in a car accident, a legal advocate can help you pursue justice on behalf of your loved one. Although this is the last thing that anyone wants to think about, a lawyer may be able to help you to recover the money necessary to provide for your family after a tragedy occurs.

10. Legal Battles After A Car Accident

If a car accident claim cannot be resolved, a legal battle may ensue. Legal battles are costly, emotional, and time consuming, and they are something that no one enjoys being involved in. Unfortunately, sometimes legal battles are inevitable in order to recover the money that you deserve.

11. Missed Work Time Following A Car Wrck

You may have to miss work after a car accident because you are injured, have appointments related to the car accident or injuries, or are emotionally unprepared to return. Missed time from work may jeopardize your employment and result in lost wages, which can place a financial burden on you and your family.

12. Loss of Ability to Do Everyday Things After A Car Accident

If you are injured, physically or psychologically, your ability to do everyday things, including your hobbies and most-enjoyed activities, may be impaired. In some cases, this impairment may be permanent.

13. Pain and Suffering Due To A Car Wreck

Most car accident injuries are extremely painful. Being in an accident can leave you in severe pain that can be difficult to cope with, and you may have to turn to prescription pain relievers.

14. Your Credit Rating Following A Car Wreck

If you are unable to pay bills that result from a car accident, such as medical bills, a lien may be filed against you and the bills may be turned over to a collections agency. In turn, your credit rating may be directly affected, which can affect your financial health.

15. Quality of Relationships After An Accident

The quality of your relationship with your spouse, your family, your friends, and more may be negatively impacted when you are in a car accident, experience financial troubles, suffer a serious injury, or experience psychological harm.

 Protecting Yourself After a Car Accident

Some of the damages from a car accident are unavoidable, but not all of them. The experienced Louisiana car accident lawyers at Neblett, Beard & Arsenault will work hard on your behalf to get you the money you deserve and improve your future as much as possible. call us today at 318.541.8188 for a free case consultation.

 1. Getting Around Without a Vehicle

How Group Life Insurance Can Change Your Life

From providing a simple solution to ensuring quality protection, life insurance can change and enhance your life in dozens of ways. Here are a few of the most important:

 1. It’s A Convenient Way To Get Life Insurance

For people who have been meaning to purchase life insurance but haven’t, or for those who don’t have life insurance through other means, group life insurance is a smart option. Since many employees have the choice of getting life insurance through their workplaces, taking that option removes the need to secure coverage by other means.

2. It Can Be A Simple Way to Get Affordable Coverage

For people who want a great deal, group life insurance is typically a good place to find it. Because these are employer-sponsored plans, they’re typically more affordable than other options, and can usually provide rates you couldn’t get anywhere else.

3. Group Policies Can Be a Good Option for People with Existing Medical Conditions

In some cases, people who already have pre-existing medical conditions can secure better rates through a group policy than they could on their own. While the customer might be required to fill out a questionnaire and answer several health-related questions, a medical exam is not always necessary.

4. It Can Give You Peace of Mind

Life insurance is a critical form of coverage, and those who don’t have it leave their family and loved ones vulnerable to undue financial burden if anything happened or the insured person passed away suddenly. Funeral and end-of-life expenses commonly exceed thousands of dollars, and those obligations can be crippling for people who did not expect or had not prepared for them.

Fortunately, group life insurance can provide the coverage individuals, and their families need to rest easy knowing help is available should the unexpected strike.

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5. You Don’t Have to think About it

The world of insurance can quickly get complicated and confusing. The beauty of a group life policy, however, is that you don’t have to think much about it. Since it comes through an employer, most of the ins and outs of the policy are handled for you, and all you need to do is step into it and take advantage of its benefits.

Group Life Insurance: A Great Option for Atlantic Canadians

If you’re considering purchasing life insurance but you haven’t just yet, or you have a pre-existing condition and need coverage, anyway, group life insurance can be a fantastic option. Designed to be affordable, accessible, and convenient, these unique policies can overhaul your life, health, and wellbeing by taking the concern of life insurance off your shoulders and allowing you to rest easy knowing you and your family are covered in the event something terrible happens.

What’s more, because group life insurance is employer-sponsored, it’s typically a very affordable way to secure insurance coverage, and you may well find that a group policy offers you a deal you couldn’t find elsewhere. This, in turn, makes it an attractive option for many consumers and has served to elevate group life insurance to a position of popularity and acceptance among Atlantic Canadians of all backgrounds.