According to HD Fleet, a truck accident with one wounded driver typically costs $148,279 to repair. In cases with a fatality, the cost may go as high as $7 million. Accidents involving truck drivers frequently result in serious injuries. Visiting suitable insurance agents for health insurance quotes is the best option to get affordable options.
Truck drivers must pay out-of-pocket costs without health insurance, which can destabilise their finances and break the bank. They need health insurance to ensure proper care in the event of accidents or long-term medical concerns. Truck drivers who travel long distances face a high risk of ill health consequences. Not only are healthcare services complex for truck drivers to acquire, but they also incur unforeseen and higher medical bills.
According to research by HD Fleet, truck drivers are more likely to suffer from serious health problems due to work, making health insurance a must. These consist of the following:
- Hypertension
- Insomnia
- Sleep apnea
- Spinal conditions
- Migraines and headaches
- Depression and anxiety
- Arthritis
- Sinus issues
- Lung conditions
According to the same study, truck drivers are 70% more likely to be obese than the average American worker, with an obesity incidence of 31%. Similarly, the prevalence of smoking-related chronic health issues is 19% for the average American worker and 51% for truck drivers.
Additionally, 14% of truck drivers have diabetes, compared to 7% of the average American worker. According to the research, 17% of American workers lack health insurance. However, because 38% of drivers lack adequate coverage, truck drivers are the most disadvantaged regarding health insurance. Every truck driver needs health insurance due to the health risks associated with the road. Sadly, most drivers lack health insurance to pay for their medical bills and those of their families.
Although some trucking businesses offer health insurance to their employees, it sometimes does not cover a wide range of medical conditions. Additionally, a truck accident’s hidden costs can cost ten times as much lost revenue as the incident’s conventional expenditures. Truck drivers require adequate health insurance for several health reasons.
An Active Strategy to Fight Medical Inflation
Truck drivers must select a proper insurance plan because medical expenses are rising daily. As a truck driver, you must know that medical costs don’t just apply to hospital stays; they also include doctor visits, diagnostic tests, ambulance fees, treatment in an emergency department, expenses for operating rooms, rent for a hotel, and prescription expenditures.
Taking preventive measures to cover yourself by getting appropriate health insurance coverage is advisable because these expenditures might significantly deplete your finances. The problems caused by medical inflation in the firm can be overcome if you pay a reasonable premium each year. You can receive high-quality care without being concerned about the cost simultaneously.
Conclusion
Our health and happiness correlate with how well the US transportation system functions. Lack of health insurance can cause several issues, including financial instability and health consequences in an accident or hospitalization.
Long hours of the journey can cause ill health and mishappenings, which is why having health insurance for truck drivers is crucial. You can safeguard yourself against unforeseen and expensive medical expenses in this way. Up until then!
Also read: The Science Behind Telematics Insurance
