How insurance coverage affected you and your family after your accident
Quality of LifePosted by Brian Woodward on December 01, 2014
In November of 1983, I was involved in a single vehicle accident. That night my life was changed in a split second. It is not something that you plan.
After my accident, I was lying in the intensive care unit while my parents were frantically trying to gather money and reorganize their finances to pay for my care, which would have completely bankrupted them. Thanks to the medical coverage that I received from Michigan's no-fault law, I am not a burden to my family. Although there were still some changes to our lives because of my catastrophic injury, the monetary burden of care was eased considerably.
The medical coverage in the no-fault law has made it possible for me to have the necessary transportation, support, and equipment. It is everything I need, nothing that I don't. If it wasn't for the no-fault law, I would still be in a small town depending on friends and family, be in a medically degraded condition on public assistance, or possibly dead. Instead I am a home-owning, tax-paying, community involved citizen! I have coached Little League baseball, I sing in the choir every Sunday, compete in turkey calling contests, hunt, fish, enjoy the outdoors, tutor young children, have mentored other disabled individuals to get them back out in the real world, and worked as a contractor to Ford Motor Company for the past 23 years.
I hope and I pray that no one has to experience what I did. Unfortunately, the reality is that anyone could find out in an instant how badly no-fault is needed. Every able-bodied person is looking for a good quality of life. That's what disabled people are looking for, too. The Michigan no-fault system absolutely supports that.
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Recovery from a catastrophic auto accident can cost millions of dollars.
Unpaid medical bills are the leading cause of bankruptcy in the US, according to Harvard Medical School.
Almost 80% of those who filed bankruptcy due to medical bills had health insurance at the time of their injury.
There are over 200 million licensed drivers in the United States.