As we go about our daily activities we cannot make ourselves accident prone and prevent what might come our way. Personal injuries are mostly accidental in occurrence and disrupt our lives in the most undesirable way possible. One can probably never be prepared for the unpleasant surprises that life brings to us, but there are steps that can be taken to alleviate the financial burden that haunts us in those cases.
One of the steps that can be taken is to make sure one has the proper medical, complete automotive and other coverages such us umbrella policies for renters or home owners. Even when the accident is not your fault, one never wants to rely that the person at fault has the proper coverage to take care of your financial and medical needs. Nor you an count on the other side to be financially stable to cover your expenses if needed. Getting the proper insurance coverages is the first an the most important step one can take.
Second step is taking actions with responsibility and awareness in mind. Not drinking and driving is one of those steps, not driving when sleepy or drowsy. Do not engage in an activity that you would not want the person next to you to do.
I understand that no matter how well protected you are or how responsible you are, accidents happen. I strongly believe that proper legal representation is very important. The other side usually has lawyers working hard on their side, so should you. Even your own insurance company will have attorneys working on the case but keep in mind that an attorney that you did not hire or retain is not working to protect your interests. In case of any injuries sustained by you, do talk to an attorney who is independent from all the parties involved and is there to protect ONLY your rights.