When a person causes a car accident that leaves another person injured, the injured party has the right to seek compensation for the injuries. If you are in this type of situation and would like to know how to go about seeking compensation for your injuries, there are several things you will need to know. The main thing to understand is that suing the responsible party for compensation is normally considered the last resort. You may want to evaluate these three things before rushing into a lawsuit.
The Responsible Party's Insurance Coverage
The first step to evaluate is the responsible party's auto insurance coverage. Auto insurance is something that can vary drastically. Some people may carry only the minimum amount necessary in the state, while other people will have outstanding coverage that will protect against major accidents. There are also those people who will not even have auto insurance coverage, even though it is something that is legally required in every state.
If the person that caused the accident does not have insurance or has very little, his or her insurance policy may not help you a whole lot. On the other hand, if the person had an ample amount of coverage, there is a chance that the insurance company will pay you exactly what your accident is worth. If this happens, you will most likely not have to sue the person.
Your Own Insurance Coverage
The second thing to look into is the auto insurance coverage you have. If you have excellent coverage, your own insurance company might kick in and cover what the other person's insurance company will not cover. It may not seem fair for you to have to tap into your own insurance, but that is what some types of your auto insurance are for.
For example, uninsured and underinsured motorist coverages are designed for times when accidents occur with people who do not have any or enough insurance. If you have these types of coverage, your insurance company will gladly kick in and help pay for the damages you have experienced from the accident.
Settling With The Insurance Company
Finally, you will need to determine if you will be able to settle with the insurance company. Even if the person who is responsible for the accident has great auto insurance coverage, there is still a chance his or her insurance company will not be willing to settle the accident for what it is really worth.
Settling with an insurance company can take some time, and it may even require the assistance of an auto injury lawyer. If you hire a lawyer for help, he or she will look over all the insurance policies involved. The lawyer will also handle all the negotiations with the insurance companies. If your lawyer is able to convince the insurance company to settle for the amount you want, then you will not have to sue.
The only time you will really need to sue another driver is if you cannot reach a fair settlement with the insurance company. If this happens, an auto injury lawyer will recommend using a lawsuit to settle the matter. Lawsuits can take time and be costly, but suing is sometimes the only way to settle an accident and receive the compensation that you deserve.
If you are recovering from a car accident and are not sure how you should proceed, contact a lawyer. A lawyer can help you determine what your options are and what the best way to proceed would be. To learn more about your rights, schedule a visit with an auto injury lawyer today. Go to sites of local law firms to learn more.Share
13 December 2016
Getting hurt while on the job can leave you in pain and without an income for some time afterward, but that doesn't mean that you have to start going to the food banks to make ends meet. Working with a lawyer to file a personal injury case (if the injury was due to neglect by another party) is a great way to get compensation you deserve for lost work, and to get your medical bills paid so you don't have to pay out of pocket for high deductibles. This website was built with love to provide you with up-to-date information you can use when working with a lawyer, filing paperwork, and dealing with all of the hoops and red tape of your personal injury case. Hopefully you can find the support you need right here.