Auto Accident Injury
What happens when my car is totaled?
Can I file a claim even if I was hit while driving without any car insurance?
Can I still file a claim if the accident was partially my fault?
What happens if I don’t want to take the insurance company’s settlement offer?
Who will pay for my car damage?
What happens if the person who caused the accident has no insurance?
The insurance adjuster said that I did not need to hire a lawyer. Is that true?
I was injured as a passenger. Can I file a claim?
Yes. Even with simple accidents, if you are injured as a passenger, there are often up to four different kinds of insurance coverages that can apply – the driver’s policy, the driver’s UIM policy, your own UIM policy, and your own PIP policy. For example, let’s say that you are injured as a passenger, and both drivers are partially at fault. The breakdown could be as follows:
Liability policy of the drivers: You may be able to recover under both liability policies with the driver of the vehicle you were in and the other driver involved in the accident. Each side would pay according to his percentage of fault.
Your driver’s UIM policy: Underinsured motorist (UIM) insurance policies essentially pay for medical expenses and other damages that result from an accident caused by a driver who does not have enough insurance to cover all of the damages. If the insurance to the liability policies described above does not fully compensate you for the harm you sustained during the accident, then your driver’s UIM policy can be used.
Your own UIM policy: If the above insurance policies do not fully compensate you, you can use your own UIM policy as well. This is true even if you do not own any of the vehicles involved in the wreck.
PIP: Personal insurance protection (PIP) is an extension of your car insurance, and it covers out-of-pocket medical expenses. Many times it is called “no-fault” coverage because it pays regardless of who is at fault and regardless of what other insurance policies have paid.
Should my health insurance company pay for my medical bills that are caused by an accident?
Who files the claim when the children are injured? What happens if the parents are divorced? Can either parent file a claim?
It is legal for the other side to take pictures and videos of me without my consent?
What is the first thing I should do after an accident?
What should I tell my insurance adjuster after an accident?
The short answer is yes. Most insurance policies have a provision requiring prompt notice of an accident. Additionally, your policy may provide coverage for repairs to your vehicle, or it may even cover a rental car while yours gets repaired. Many times your own insurance company acts more quickly than the other driver’s insurance company. So, you need to call and set up a claim with your own insurance company to get the process going. But there are also a few landmines that you want to avoid.
First, don’t go into detail about your physical injuries, especially if you talk to the adjuster soon after the accident. Since he or she will be the one who negotiates the settlement, often an adjuster will hope to pin down your specific injuries early on when you don’t even know how badly you were hurt. A good approach to take when the adjuster asks about injuries is to say that you don’t know the extent of your injuries, but you want to get checked out by a medical provider. Many car wreck injuries aren’t apparent the first few days after an accident, so keep that in mind when you make your initial call to your adjuster.
Will my car insurance rates increase if my insurance company pays to repair my car, even when I wasn’t at fault in the accident?
What happens if I am an undocumented immigrant and am hit by another driver? Can I still file a claim?
Can undocumented immigrants still file a car accident claim?
Did someone who was not working for my employer (a third party) help cause my accident or injury?
Do I have a third-party case?
What happens if the other person does not have enough insurance to cover all my medical bills and damages?
If you do have car insurance, then you will want to check to see if you have certain coverages, such as auto collision, personal injury protection, uninsured/underinsured protection, and/or medical payments protection. Depending on the circumstances, these coverages may be very helpful to you.
For answers to additional questions, contact our team today. Call our office.