Helping New
Hampshire Accident And Injury Victims

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Who covers a worker’s lost wages after a car crash?

On Behalf of | Feb 16, 2024 | Motor Vehicle Accidents |

A car crash can be inconvenient even if it only causes property damage. When someone suffers a significant injury, a collision could be a devastating experience. New Hampshire car crashes can put people in the hospital with brain injuries, limb loss and spinal cord injuries. The person hurt may have thousands of dollars in medical expenses.

They may also need to worry about how their injuries affect their income. Someone with extreme injuries may never be able to work again. Those with moderate injuries may need to move to a lower-paying profession after a crash, especially if they work in a blue-collar field. Even those who could make a full recovery might spend months away from their jobs.

Who usually reimburses someone for their lost wages after a New Hampshire car wreck?

Insurance can help

Drivers in New Hampshire generally need to carry liability insurance in case they cause a crash. Someone unable to work after a collision could file a claim for bodily injury coverage. The driver at fault for the wreck should have a policy that can reimburse the other people affected by the incident.

Sadly, New Hampshire’s insurance requirements may leave some people without enough protection. If a crash only hurts one person and the driver at fault carries the minimum policy required by the law, the cost could go well beyond what the policy may pay. New Hampshire motorists only need to have $25,000 in bodily injury coverage if one person gets hurt. Some people may find that such coverage falls far short of their actual needs.

The driver at fault could be liable

Insurance exists to protect people from hardship after a crash. If a driver does not invest in enough coverage, then they may ultimately have financial culpability for the consequences of the wreck. A motorist who causes a crash by violating traffic statutes or behaving negligently in traffic could be personally responsible for the losses they cause for other people.

Someone who has gone weeks without income or who can never work again could hold an at-fault driver financially responsible for their lost wages. Surviving family members can even claim lost wages as part of the wrongful death lawsuit if a crash caused the death of an immediate family member.

Ultimately, examining the different options for reimbursement after a car crash may benefit those with major injuries. Seeking legal guidance is a good way to get started.