DW and I were in a rather ugly vehicle accident the other day. Rear ended while we were at a dead stop by a full size truck at 40-50MPH, car was totaled.
We were taken to the ER, x-rayed, CT scans - negative for anything broken/ruptured, and were released. However, needless to say - while we're hopeful for a complete recovery, we've entered into the hell of soft tissue damage.
The good news: 100% the other drivers fault, he's well insured, and we've currently got excellent health care through our employers that's taking care of us.
The huge unknown: Our ER date is 6 months away. At that time, we're buying insurance on our own in WA state - something that was easily budgeted for, when we were both 50-somethings in excellent health, with zero pre-existing conditions.
This is now of course, a huge concern as we discuss how to proceed with settlement. We're not looking for a payday - but neither are we willing to accept massive future premiums or the inability to find insurance at all. Perhaps I'm being paranoid...but I just don't know how well we'll recover, or how the accident and/or lingering issues will impact our insurance options 6 months from now.
We're looking for a good attorney, and we'll certainly bring this up with him/her - but y'all seem to have quite a bit of first-hand experience with what affects rates for policies purchased on the open market, and I'd be grateful for any input.
We were taken to the ER, x-rayed, CT scans - negative for anything broken/ruptured, and were released. However, needless to say - while we're hopeful for a complete recovery, we've entered into the hell of soft tissue damage.
The good news: 100% the other drivers fault, he's well insured, and we've currently got excellent health care through our employers that's taking care of us.
The huge unknown: Our ER date is 6 months away. At that time, we're buying insurance on our own in WA state - something that was easily budgeted for, when we were both 50-somethings in excellent health, with zero pre-existing conditions.
This is now of course, a huge concern as we discuss how to proceed with settlement. We're not looking for a payday - but neither are we willing to accept massive future premiums or the inability to find insurance at all. Perhaps I'm being paranoid...but I just don't know how well we'll recover, or how the accident and/or lingering issues will impact our insurance options 6 months from now.
We're looking for a good attorney, and we'll certainly bring this up with him/her - but y'all seem to have quite a bit of first-hand experience with what affects rates for policies purchased on the open market, and I'd be grateful for any input.