Life is unpredictable, and contingency planning is essential for individuals, families, and businesses. One of the most common questions people ask to demonstrate the need for planning is, “What would happen if you stepped off a curb and got hit by a car tomorrow?”
Your mind may already be drifting to thoughts of your children, your finances, or your estate plan, but today we are going to take the question literally and explain what would happen if you got hit by a car.
You Would Be Injured (or Worse)
The human body cannot withstand the force of being hit by a motor vehicle. You would be lucky to walk away from such a wreck with anything less than lifelong catastrophic injuries.
You Would Endure Costly Medical Treatments
Medical care is costly whether you have health insurance or not. Catastrophic injuries such as traumatic brain injuries (TBI) or spinal cord injuries can result in onerous medical bills at a time when your injuries leave you unable to work.
The Insurance Companies Would Suddenly Be Very Interested In You
Once the insurance company for the at-fault driver catches wind of your injuries, they will likely reach out to you to see how you are doing and discuss opening a claim. Unfortunately, they won’t be looking out for you; they will be looking out for their bottom line.
It is crucial not to sign anything that settles or closes your claim without consulting with a personal injury lawyer who will advocate for your best interests. You only get one shot at maximizing your compensation. Any offer from the insurance company will be intended to save them money rather than provide the fair compensation you will need to cover the ongoing cost of your injuries.
In conclusion, what if you step off a curb and get hit by a car? The best answer is contacting a proven personal injury firm and leaving the rest up to them.