After your case is settled, it’s natural to focus on moving forward and getting back to normal life. But “normal” might look a little different than it did before your accident, especially when it comes to your insurance coverage. Taking a little time to review your health, auto, and other insurance policies can help you stay protected and avoid unexpected gaps in coverage.

1. Make Sure Your Health Insurance Fits Your Current Needs

Your medical needs may have changed since your injury. Maybe you need follow-up treatments, new prescriptions, or ongoing physical therapy. Reviewing your health insurance ensures you’re still covered for the care you need now and in the months ahead.

If your case has closed, your ongoing care will go through your health insurance like any other condition. Make sure your preferred doctors, specialists, and therapists are still in-network, and check your plan’s limits for continued treatment or rehabilitation.

If you’ve lost coverage or changed jobs since your injury, explore new options through your employer, state marketplace, or Healthcare.gov. Even a short gap in coverage can create big challenges later.

2. Revisit Your Auto Insurance

If your injury was caused by a car accident, it’s worth taking another look at your auto policy. Many people realize only after an accident that they were underinsured. Consider adding or increasing coverage like:

  • Uninsured/underinsured motorist coverage – protects you if another driver doesn’t have enough insurance.

  • Medical payments coverage (MedPay) – helps pay medical expenses after an accident, regardless of who’s at fault.

  • Rental reimbursement coverage – helps with transportation costs if your vehicle is being repaired.

Updating your policy now helps ensure you and your loved ones are better protected in the future, so you’re not caught off guard if something unexpected happens again.

3. Review Other Coverage That Supports Your Recovery

Beyond health and auto insurance, it’s also smart to review other policies that could provide peace of mind, such as:

  • Disability insurance, if your injury affects your ability to work.

  • Life insurance, if you have dependents who rely on your income.

  • Home or renter’s insurance, to confirm coverage for medical devices or mobility aids.

These policies may not have been top of mind before your accident, but making sure they’re up to date helps protect your family and your financial stability as you continue to move forward.

Why Reviewing Coverage Matters

After a personal injury, your needs evolve, and your insurance should, too. Taking a few minutes to review your policies now can prevent headaches later, ensuring you’re fully covered for your health, home, and future. A quick check-in today can save time, stress, and money down the road.

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