Car accidents are one of the leading causes of death and injury in the United States. In 2016, there were over 6 million car accidents, according to the National Highway Traffic Safety Administration. If you’ve been in a car accident, taking steps to recover is essential.
When it comes to car accident insurance claim settlements, the process can be confusing and frustrating. This is why it’s critical to clearly understand the different types of coverages available to you and what they mean. Here’s a quick overview of the different kinds of car insurance coverages:
- Liability coverage: This type of coverage protects you financially if you’re found at fault for an accident. It will pay for the other driver’s medical bills, vehicle repairs, and other damages.
- Collision coverage: This type of coverage pays for damage to your vehicle if you’re involved in an accident, regardless of who is at fault.
- Comprehensive coverage: This type of coverage protects you from damage caused by things other than collisions, such as weather damage, theft, or vandalism.
- Medical payments coverage: This type of coverage will pay for your medical expenses if you’re injured in an accident, regardless of who is at fault.
- Uninsured/underinsured motorist coverage: This type of coverage protects you financially if you’re involved in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover the damages.
- No-fault coverage: This type of coverage is mandatory in some states and can help you regardless of who is at fault for the accident. It will pay up to a specific limit for your medical expenses and lost wages.
Physical Recovery
If you’ve been in a car accident, it’s essential to see a doctor as soon as possible, even if you don’t think you’re injured. Some injuries, such as whiplash, may not be immediately apparent. A doctor can evaluate your condition and rule out any serious injuries.
Once you’ve seen a doctor, follow their instructions for recovery. That may include rest, ice, heat, physical therapy, or other treatments. Don’t try to push through the pain; that can make your injuries worse.
Financial Recovery
You may face significant financial costs if you’ve been in a car accident. The first step is to file a claim with your insurance company. If you have collision coverage, your policy will likely cover the cost of repairs to your vehicle. If you don’t have collision coverage, you may be responsible for the entire cost of repairs.
You may also be entitled to compensation for your medical expenses, lost wages, and pain and suffering. In some cases, you may be able to recover punitive damages as well.
If the other driver was at fault for the accident, you might be able to file a claim against their insurance company. However, insurance companies are notorious for lowballing settlements or denying claims altogether. That’s why it’s crucial to have an experienced personal injury lawyer on your side.
A personal injury lawyer will fight for the car accident insurance claim settlement you deserve. They may also be able to negotiate a higher compensation from the insurance company. And if your case goes to trial, they can represent you in court.
Don’t try to handle your car accident claim on your own. The insurance company will have its team of lawyers working against you. Level the playing field by hiring an experienced personal injury lawyer.
