Driving on public roads is often risky. Some individuals operate defective vehicles; others drive while tired and stressed for one reason or another. Intoxicated and under the influence drivers, and irresponsible drivers who speed and fail to observe basic traffic rules, present safety concerns, as well. This means responsible drivers often find themselves in an auto crash. That is why the law requires every driver to have an auto insurance policy that provides coverage for all the different types of liabilities that arise from the crash. This includes bodily injury, property damage, uninsured motorist and underinsured motorist, among other types of liabilities.
Legal Concerns After an Auto Accident
If you live in a no-fault state, where fault is not considered for insurance settlement purposes when an accident occurs, expect to get compensation for your injuries and property damage when you file a claim with your insurer. The payout made by the insurer often has a limit, as stated in the policy. This can be $10,000 for bodily injury and $5,000 for property damage, depending on the policy you procured, as well as the auto insurance laws in your home state. If the real cost of property damage and the cost of treatment exceed these limits, you must pursue the driver of the other vehicle, to ensure sufficient compensation.
In a fault state, accident investigators tend to investigate auto crashes and write a report showing the at-fault party, as well as the main cause of the accident. The accident report often determines who pays for the liabilities arising from the accident. For instance, if you were at fault, your insurer makes a payout to the other driver and victims of the crash. If the other driver was at fault, their auto insurer makes a payout. If the insurance settlement offered by the insurer is insufficient, you should work with a lawyer experienced in handling car accident claims to ensure you get a decent payout.
Personal Injury Lawsuits
After a car accident, you must not rush to accept the first offer the insurer makes. While it may seem substantial, you do not know how much money it will cost you to get quality treatment, as well as post-treatment care. You also do not know if you will suffer short-term or long-term disability. For this reason, you should not talk to strangers at the hospital, unless they are the medical staff or accident investigators. Ideally, you should concentrate on getting well. Once you do, you should hire a competent lawyer to help you get some justice.