Provide information about the accident to your insurer · 2.Ask questions about your insurance coverage · 3.Get a quote and work with insurance. And it's wise to do it anyway, before the damage gets muddy or the witnesses to the accident disappear. States can set firm deadlines for filing claims, which can range from one to 20 years. The passenger can file a claim with their insurance company for injuries suffered by the passenger.
However, this only applies if it is determined that the other driver is fully or partially at fault. For this to happen, the passenger may need to provide evidence or witness testimony to support their claims or hire a personal injury lawyer to help them develop their case. We serve Hampton City, Newport News City, Poquoson City, Gloucester, Isle of Wight, James City, Mathews, York counties and beyond. If the driver of the car in which the injured passenger was traveling was totally or partially at fault, the passenger can file a claim with the driver's insurance company to cover compensation for lost wages, medical expenses, and other damages.
Since most insurance companies include in car accident settlements that the amount paid is all that will be paid, once you accept the settlement amount, it's generally difficult to recover any additional compensation. An auto accident lawyer can help you investigate the incident, gather evidence, negotiate with insurance companies, and protect your rights during the settlement or trial process. With so many options for car insurance companies, it can be difficult to know where to start to find the right car insurance. If your vehicle was destroyed in the accident, insurance must compensate you for the value of the car at the time of the accident, whether you file a liability claim against another person or use your own collision insurance.
Some states' no-fault auto insurance laws mean that there is no need to determine who is at fault to receive insurance payment for minor injury claims. You might decide to use your own insurance for car damage, instead of dealing with the other person's insurance company. Many insurers provide a checklist for car accidents in their mobile apps, or you can print it out and store it in the glove compartment. The deductible amount may be returned to you later if your insurance company requests reimbursement from the other person's insurer.
According to the Insurance Information Institute, about 75% of drivers with car insurance have collision insurance. This insurance covers damage to your car if it hits an object, such as a pole or other car. Around 3 million people are injured or killed in these car accidents, so every year there are a large number of insurance lawsuits and claims. Liability insurance also covers your legal defense if you are being sued for something covered by your policy, such as a car accident.