Crashed? Here's what you should remember about settlements

You drive for a living every day. You work in sales, so getting to your entire service area in a day can be difficult, but it is obtainable. You have to stay on time, so when the vehicle next to you pushed into your lane and caused you to wreck, all you could think about was how much work you weren't getting done.

Your job partially relies on how much you can complete in a day. Not having the opportunity to hit your goals affects your income and earning potential. On top of that, you now have medical bills to deal with, which you weren't expecting. You can't work, and you're at a loss for how you'll pay your bills.

What happens now?

As a sales person, you're an independent contractor. Without being able to work, you don't earn an income. It's important that the driver who hit you is held accountable, since that person's insurance will kick in and cover your medical expenses, car repairs and other financial needs.

Should you take the first settlement you're offered?

Not normally. Before you take any kind of settlement, you need to know how much money you'll need to put into your medical care and what kind of financial losses you've suffered. Additionally, you should seek some compensation for the injuries you've suffered, since you've been unable to enjoy your life like you normally would.

It's a good idea to keep tabs on the costs you have now and the costs that are expected in the future. Once you have a good idea of how much you'll need to cover your expenses and financial needs, you can negotiate for a settlement that is fair to you.

Car crashes impact you in more ways than one. A good settlement is one way to take some of the stress out of your situation while you recover.

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