Articles Tagged with insurance

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Uninsured or under-insured patients, who have suffered spinal cord injuries due to auto accident or other traumatic events, may be much more likely to be taken off life support.

A  recent study measured the impact of insurance coverage on the survival and recovery of persons after a spinal cord injury. The study focused on more than 8,400 American adults who had suffered a spinal cord injury, and found that uninsured or under-insured patients were much more likely to be taken off life support much earlier than those with insurance.

Spinal cord injuries are often caused in auto accidents, trucking accidents and  motorcycle accidents. These are not just devastating personal injuries with long-term consequences, but are also extremely expensive personal injuries to treat.  The costs involved in treating spinal cord injuries can range between $95,000 to well above $1,000,000,  depending on the complexity or level of the injury.  Spinal cord injuries very often can result in paralysis, which in turn, can lead to a number of other effects on a person’s health.

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You may have noticed an increase in your family’s auto insurance premium rates recently.  Average insurance payouts around the country are increasing, and distracted driving accidents are partly to blame.

The increasing numbers of people dying in distracted driving-related accidents are causing auto insurers to raise premiums.  The role of distracted driving in our traffic fatality toll cannot be overstated. The National Highway Traffic Safety Administration (NHTSA) reported a 14% increase in the number of fatalities last year, for a total of 40,000 across the U.S.  Many experts believe that distracted driving is contributing to this spike.

Since 2011, American families have seen their average insurance premiums increase by as much as 16%, to a total of $906.  Insurers say that they have no other choice but to increase premiums because of the large number of drivers involved in collisions while operating vehicles and using smart phones.

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