The Hidden Costs of a Car Accident

What Insurance Won’t Tell You
When you think about the aftermath of a car accident, medical bills and vehicle repair costs might be the first things that come to mind. However, many accident victims in Columbus, Ohio, are caught off guard by the hidden costs that insurance companies don’t openly discuss.

At SELPH LAW, we’ve seen how these overlooked expenses add up, leaving victims struggling financially even after receiving a settlement. Understanding these hidden costs—and knowing how to fight for compensation—can make all the difference.

1. Lost Opportunities Due to Missed Work
While insurance may cover some lost wages, they rarely account for the ripple effects of time off work. Consider the following:

Missed promotions or project opportunities.
Loss of performance-based bonuses.
Career setbacks caused by prolonged recovery periods.
These “invisible” losses can significantly impact your financial future. A skilled personal injury attorney can help include these damages in your claim.

2. The True Cost of Long-Term Medical Care
Initial medical bills often don’t reflect the ongoing costs of recovery. Victims may face:

Physical therapy and rehabilitation.
Prescription medications.
Future surgeries or treatments.
Mental health counseling for post-traumatic stress.
Without expert legal representation, many victims accept settlements that don’t adequately cover these long-term needs.

3. Property Damage Beyond the Vehicle
It’s not just your car that might need repairs. Victims often overlook these additional property losses:

Damaged electronics (laptops, phones, cameras) inside the vehicle.
Car seats or other safety equipment that must be replaced.
Personal items, such as clothing, bags, or accessories, damaged in the crash.
Insurance adjusters rarely offer compensation for these items unless specifically requested.

4. The Emotional Toll
The emotional and psychological aftermath of a car accident can’t be ignored. Victims often experience:

Anxiety while driving, especially near the crash site.
Sleep disturbances caused by trauma or stress.
Strain on personal relationships due to emotional distress.
In Ohio, pain and suffering damages are recognized, but only when properly presented. At SELPH LAW, we know how to document and argue for these less tangible but equally important losses.

5. Increased Insurance Premiums
Even if you weren’t at fault, your insurance premiums may rise after an accident. Why?

Some insurers classify all accidents as a risk factor.
Fault determinations may be disputed, leading to shared liability.
An attorney can help ensure that fault is properly assigned, potentially saving you from future financial strain.

6. Legal Expenses If You’re Sued
In multi-car accidents or when fault is contested, you could find yourself on the receiving end of a lawsuit. While your insurance policy may cover some legal fees, coverage limits can leave you exposed. Having a proactive attorney early in the process can minimize these risks.

Why You Need SELPH LAW
The hidden costs of a car accident can be overwhelming, but you don’t have to face them alone. At SELPH LAW, we:

Analyze every detail of your case to uncover compensation opportunities you might not realize exist.
Fight aggressively against lowball offers from insurance companies.
Prioritize your financial and emotional recovery, ensuring no cost is overlooked.

If you or a loved one has been in a car accident, don’t wait. Contact SELPH LAW at 614-453-0971 or visit us at 6047 Frantz Road, Suite 101, Dublin, Ohio to schedule a consultation. Let us help you navigate the hidden costs of your accident and secure the compensation you deserve.

Boosting Columbus, Ohio’s Personal Injury Authority
By shedding light on the hidden financial, emotional, and legal burdens of car accidents, this article not only informs victims but also positions SELPH LAW as the go-to legal resource in Columbus, Ohio. Share this guide with anyone who might benefit and help us continue to advocate for accident victims in our community.

The Hidden Costs of a Car Accident

The Hidden Costs of a Car Accident

Sub Categories

Recent Articles