No one ever thinks they will be involved in a vehicle accident, but it can happen to anyone. That is why it is important to be dealing with insurance companies after a vehicle accident. Most states have mandatory insurance laws, but sometimes this mandatory insurance coverage only requires “liability” coverage. In the event of a vehicle crash, liability doesn’t cover you or your vehicle, only others and their property.
Types of Coverage
As mentioned, most auto insurance plans include liability insurance which is usually the minimum coverage required by state laws. Liability provides coverage for injury and property damage to others. You have options of how much coverage you want. If you do not get enough coverage, then, in the event that you are in an accident, you could be stuck paying the difference.
Collision insurance offers you coverage on your vehicle in the event that you are in a crash. You cannot guarantee that if you are in an accident that the other person will have enough insurance to cover your expenses. You may end up having to wait a long time and going through many hassles with the insurance company in order to ever see payment if the other driver does have insurance. Having your own collision insurance will ensure that you are protected and that you start to get things back to normal as soon as possible after an accident. Collision coverage will fix your vehicle even if you were at fault.
Medical payment coverage will pay your medical expenses and those of your passengers should anyone be injured in a crash. It pays regardless of whose fault the accident was. Some policies may also pay for lost wages due to an accident. Uninsured or underinsured motorists coverage offers you coverage in the event you get into an accident with someone who is not insured. This coverage will pay medical bills for you if the other driver does not have insurance or does not have enough insurance to pay the expenses. These coverages will usually compensate you for pain and suffering also.
There are other coverage options that you may want to consider. These things are considered extras, but in the event that you are in an accident, they can come in handy. You may be able to get a rental vehicle on your insurance. Some policies offer rental vehicle coverage where you get a rental vehicle to use at no cost if your vehicle is damaged. This can be handy if your vehicle is damaged in an accident and you must send it for repairs.
Another helpful extra is gap coverage which will pay the difference between the value of your vehicle and what is actually owned. If your vehicle is totaled in an accident the insurance only pays the value of the vehicle and not what you owe, so gap coverage will ensure your whole loan is paid off if your car is totaled in an accident. vehicle accidents are unfortunate, but they happen every day. You should always be dealing with insurance companies after a vehicle accident. You cannot guarantee that you will never be in an accident. It is a case where you are better off safe than sorry later.
The consequences of a car accident or even a motorcycle accident are indeed traumatic and sometimes change our lives all together, of course for the worst. Sadly most accidents are due to negligence, of course drunk driving and hit and run offenders top the list. A motor vehicle accident can be a scary experience. Did you know that if the accident was not your fault then you may be able to claim compensation? Compensation can be claimed for a range of issues, including any injuries that you sustained as a result of the accident, any damage to personal property as well as loss of earnings and medical bills amongst other things. This article explains things to do when you are at fault in a car accident.
Before you do anything you should first check that you, your passengers and people in the other vehicles are safe. If anyone has been injured then you should call for an ambulance or seek medical help immediately. The shock of a motor vehicle accident can make people think that they are fine, but in fact they could have sustained whiplash or other injuries, so it is always worth getting a medical check-up just incase. If any vehicle has been damaged then you should move far away from it and also keep a distance from busy roads. Call the police if a vehicle is blocking the road or putting other drivers lives at risk.
If everyone is safe and well then you can start to gather contact information of others involved in the incident. Make sure that you write down their names, car registration numbers and contact information. Witness reports can be used at a later date in court, so try and get as much information as possible. If the police are involved then they should be able to take witness statements for you.
You should also take images of the incident. You can take pictures with your phone. Try and get photographs of any injuries that you sustained as well as any damage to the car.
As soon as you get home it is a good idea to write down all of the details of the event. This can include things to do when you are at fault in a car accident, the time of the accident, who was involved and any other relevant details. By doing this when it is still fresh in your mind you will be getting down all the tiny details which could help your case in court.
Store all documents and photographs relating the the incident in a safe and secure place. This can include things like insurance claims and police reports. You will need these when it comes to working with your accident claim lawyer.
A motor accident lawyer is essential is you want to claim compensation for your accident. They will have the tools and expertise to put together a strong case for you in order to claim compensation. Always look for a legal team that operate on a no win no fee basis and that specialize in motor vehicle accidents.
Follow the above tips and you will stand the best possible chances of having a successful claim and receiving the compensation that you deserve.