Have you been hurt in automobile accident? If you have, there are a few things to keep in mind:
STOP & CALL THE POLICE: Even if there are minor injuries call the police as you may need a report to file a claim with the insurance company.
TAKE PICTURES & TALK TO WITNESSES: If able take pictures of the accident scene, and get the names, phone numbers, and addresses of any witnesses.
MEDICAL TREATMENT: Seek treatment immediately if injured. Even if you do not go to the ER at least go to your family physician.
REPORT THE CLAIM: Call your insurance company to inform them of the accident.
PROTECT YOURSELF: The insurance company has many clients and it is best to seek the assistance of an attorney who is looking out for you and your rights.
Insurance is there to protect us if we are in an accident, and there are four basic types of coverage:
Medpay/PIP: This is liability to protect you and those in your vehicle. It is an extra coverage that will pay a certain amount of monies depending on what coverage you elected when medical bills are submitted.
Liability: Each state has different laws for limited liability coverage. This coverage is for when you are at fault for an accident, or if you are not at fault it is the coverage that you would seek damages from the at fault person.
What if though, they do not have insurance? Uninsured motorist is also mandatory. This is insurance that we have to protect ourselves. So if we are in an accident with someone who does not have insurance, we can still recover for the damages that we have received.
What if they do have limited liability, but it does not cover all my damages? Underinsured motorist is an elective coverage that you can purchase in case the at-fault driver does not have enough insurance. It is there to protect you in case you are hurt in an accident.
It is imperative to make sure you have adequate insurance to protect you and your family, and if in an accident reach out and call an attorney so that you can have someone work to protect your interests.