Does Auto Insurance Cover Injuries from an Accident?

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It is important to assure that you have quality insurance coverage for your health, home, and of course, your car. A car accident can happen at any moment, and can sometimes be severe enough to lead to injury. In that moment, you want to make sure that your injuries or injuries to those also involved in the wreck don’t have you reaching deep into your pockets. That’s why it’s important to understand your car insurance NSW options.

What Car Insurance Covers


Standard car insurance policies cover your liability in the event of an accident where the driver or the passengers in your car are injured. Insurance providers will also cover injuries that other drivers and pedestrians have suffered due to an auto accident. These examples of insurance coverage are known as compulsory third party policies.

While an insurance company will take on those standard risks with a compulsory third party policy (CTP), drivers still need comprehensive or third party insurance to take into account other protections. CTP does not cover you for damage to your vehicle, other cars, and theft. It also does not cover your legal liability in the event of a crash. This can leave car owners at risk of facing significant financial and personal losses in the case of an unfortunate incident.

Comprehensive And Third Party Insurance

Comprehensive car insurance can help cover the cost of repairs to your vehicle in the event of accidental or malicious damage, no matter the severity. Some policies will even cover certain items inside your car, such as a car seat that is damaged in a collision.


Some insurance providers also offer comprehensive coverage and third party insurance policies that cover the cost of damage to other people’s property, with fire and theft protection even for your own car in the event of any resultant damage.

While bodily injury liability is part of a standard compulsory third party policy, it’s important to have enough coverage for you and for anyone else who operates your vehicle. If you are involved in a bad accident, you can be sued for large amounts of money. Experts recommend that policyholders buy more than the minimum CTP and enough insurance coverage to protect assets like your home and your savings.

What to Do After a Car Crash

The first thing to do if you’ve been in a collision is to report the accident to the police. It is imperative to report this to authorities, especially if there is any damage to cars or any injuries in the wreck. Police will usually arrive with other emergency professionals, likely ambulances, to evaluate those involved in the crash for any physical injuries. Emergency medical technicians may also deal with certain situations beyond the physical, like shock and panic attacks stemming from the wreck. Those can lead to urinary incontinence brought on by a stress trigger.

Urinary incontinence is brought on by a sudden and intense urge that causes loss of bladder control. Urinary incontinence affects the quality of life, but underlying causes and risk factors within your medical history can set off alarms to take steps to solve bladder control problems. Obesity, early stages of dementia, kidney diseases and other medical conditions within your past that impact urinary incontinence can be determined in a physical examination.

The prevalence of incontinence is much more common with developed plans to deal with urinary incontinence symptoms. For older women, urine leakage can be the result of pelvic floor disorders. The urge for urination can be built up through kegel exercises to strengthen pelvic muscles. Pelvic floor muscle training is the best non-surgical treatment to combat the discomfort of urinary incontinence, and a key method of bladder training in women’s health.

EMTs are prepared for the urgency of the situation and will offer a physical exam on-site to check any injuries that may require further attention or even hospitalization.