Question: How should I move forward with receiving income after a car accident?
Question Detail: I was injured in a car accident back in April and was unable to return to work. I have documentation from several doctors. No-fault insurance, refused to reimburse me for any of my lost wages other than the first week because my employer fired me for job abandonment 3 weeks after the accident. I have no source of income and I will soon be homeless. Even though I applied I was turned down for public assistance. I'm very scared and I don't know what I should do. I have a personal injury attorney, but she really isn't giving me answers. Please help.
Answer: There is no easy solution for income replacement after a car accident; at least not in Iowa. It appears you have no-fault insurance and I’m guessing you’re not from Iowa because Iowa is not a no-fault state. First, my advice is to find a good personal injury lawyer who offices near you, so you have one thing less to worry about. You want one who you have confidence knows the ropes of personal injury law. Second, get ready to weather the storm by figuring out how to reduce your monthly expenses and consider moving in with someone else.
The best way to be prepared for wage loss following a car accident is to prepare for that day before the day arrives. We all face car accidents and the loss of income that follows, but not everyone prepares for what to do. The way to be prepared is to already have a short-term disability insurance policy before you get in an accident. For the many poor and working people in America this isn’t a possibility and so if you are one of the many poor and working Americans you need to have money set aside. This rainy day fund may not seem like something you want to do, but as you’re finding out it sure would come in handy.
At this point it sounds like that part of the plan won’t work for you so let’s talk about your options.
What I tell my clients is to get your spouse out working and cut down every unnecessary expense.
Don’t say every expense you have is a necessity because they aren’t all absolutely necessary. Cut out all the excess and then some. Then adjust how you eat. Buy fresh bread, a jar of peanut butter and sliced ham because that’s what you’ll be eating for awhile. Remember there are no quick solutions in a personal injury case. And if the opposition thinks you’re desperate they will drag it out even longer hoping you will eventually settle on the cheap.
As for your lawyer and her lack of action, what do you want her to do? Money doesn’t grow on trees so there is little she can do after-the-fact.
Good luck and if you have questions or need help with your case, contact us using the contact form provided.