AUTOMOBILE ACCIDENT INSURANCE

If you are injured in an automobile accident, there may be a number of different insurance policies available to pay for your damages. Generally, we review the following types of coverage:

1. No-Fault Insurance. Your automobile has “no-fault coverage.” Your insurance company will pay up to $20,000 for your medical and chiropractic expenses, medications, and medical treatment related mileage. Your insurance company may also be obligated to pay up to $20,000 for any loss of income you might have and to pay for certain services that you normally do around the home. There are limitations on the amount lost wages that your insurance company must pay. Your no-fault insurance will pay you for these losses whether you caused the accident or if someone else is at fault.
2. Liability Insurance. The other driver(s) involved in the accident will probably have liability insurance. The amount of liability coverage can vary but under the law it may not be less then $30,000. You may have the right to pursue a claim against the other driver(s) and recoup your damages if certain circumstances exist. To pursue such a claim, you must have incurred medical expenses in an amount greater than $4,000, been disabled for 60 days, been disfigured, or received a permanent injury.
3. Uninsured Motorist Coverage. If the other driver(s) did not have liability insurance, you may bring a claim against your own insurance company for “uninsured motorist benefits.” The amount of coverage that you have available will depend upon the amount of coverage you purchased for this type of coverage from your insurance company.
4. Underinsured Motorist Coverage. If the driver(s) that caused the accident has liability insurance by the liability coverage is not enough to cover your losses, you may file a claim against your insurance company for “underinsured motorist coverage.” The amount of insurance available will depend upon how much coverage you purchased from your insurance company.
5. Umbrella Coverage. The driver that caused the accident may have an umbrella insurance policy that gives the driver additional coverage beyond their automobile liability limits.
6. Homeowner’s Insurance. Under some circumstances, homeowner’s insurance may have insurance available to cover your losses.
7. Medical Insurance. Your medical insurance will cover a portion of your medical and chiropractic expense. Frequently, the medical insurance carriers will seek to be reimbursed for any medical expense that they pay from any recovery you might make.

Our attorneys will review all of the insurance coverage that may be available to you to cover your damages and help you determine of you have a claim.

DISCLAIMER INFORMATION: THE INFORMATION CONTAINED IN THIS SITE IS DESIGNED TO PROVIDE GENERAL INFORMATION AND IS NOT LEGAL ADVICE. YOU SHOULD NOT DRAW LEGAL CONCLUSIONS OR RELY UPON THE INFORMATION CONTAINED IN THIS SITE AS LEGAL ADVICE OR AN OPINION ON THE LAW OR THE MERITS OF YOUR CASE. THE LAW CONSTANTLY CHANGES AND YOU SHOULD DISCUSS THE INDIVIDUAL FACTS OF YOUR CASE WITH AN ATTORNEY TO OBTAIN COMPETENT LEGAL ADVICE.