A vehicle accident can definitely send someone's finances into a tailspin, especially if the accident involves an RV that is used as a home. If you live full-time in an RV, here are a few tips that may help you keep control of your finances if you are ever in an accident.
It's highly advised that people who live in RVs have as much additional insurance coverage as possible so expenses will be covered if there is an accident in the RV. This should definitely include covering the costs of lodging and a vehicle rental, since both were lost in the RV accident. It should also cover the cost of recovery services such as towing and the use of a crane.
Clothing & Necessities
Your clothing and other necessities may be ruined in an accident, especially one that causes a fire to engulf the RV. It's a good idea to ask a friend or family member to store a box of extra clothing and other necessities until you call them to ask for it to be sent to you. This can be extremely helpful in situations like an RV accident so you don't have to spend money buying new clothing. When you pack this box, be sure to include some nice outfits that can be worn to court proceedings.
Medical Bills & Payments
If you have medical insurance, you can submit your medical bills to your medical insurance company, and they will cover the costs of the medical bills until they can recoup the costs from your vehicle insurance company. If you do not have medical insurance, and you are receiving medical bills, ask the billing departments to give you a creditor's lien, which is a legal document that is filed and kept at the courthouse after you and your creditor signs it. Essentially, it says that you will pay the medical bills when you receive the settlement from your vehicle accident or when you win a lawsuit if that is the route you are taking.
All of the above costs can be included in a settlement or lawsuit, but it's a good idea to be prepared to handle these types of financial burdens ahead of time because it can take time to receive the money from a settlement or lawsuit. Just be sure to keep all the receipts of all the accident-related things you pay for along the way so you can be reimbursed for what you spent out of your pocket.