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Car Accidents – And What You Need to Know About Your Compensation Rights!

Did you know that if you have ever been involved in an accident that has left you injured, then you stand to receive a hefty amount of compensation for the lost wages, medical bills, and any other related expense from the insurance company of the car, or from insurance company of the driver? This generally depends on the person guilty for causing the accident. If you have been involved in a car accident, and want to know about your compensation rights, then this article will uncover some truths for you.

Kinds of Car Insurance for Injury

You should know about the different kinds of insurances around before you make a car accident compensation claim, because the type of car insurance you have is important. There are also insurances that don’t cover injuries, and if you have the negligent driver’s bodily injury liability coverage, which is applied when another driver causes an accident, you have a good chance for compensation.

Here are some more types of car insurance coverage for personal injury:

1.      Personal injury protection (PIP)

  • The PIP insurance helps cover the costs of medical bills, and has a limit on policy, even if you caused the accident.

2.      Uninsured motorist coverage

  • This insurance is generally for accidents involving hit-and-run, and covers the payments of bodily injuries. It will cover the expenses of drivers who don’t have any insurance and are involved in accidents.

3.      Medical payments coverage

  • This is a similar policy to the PIP, with the only difference is that it covers medical payments, irrespective of the party that was at fault.

Filing for Claims

In an accident, which is caused by a rear-end collision, the driver will always be at fault, but in other accidents, the case is not that straightforward. It is recommended that you figure out the person at fault, you need to give a comprehensive explanation of everything that led to the accident. If you think that you’re not at fault, you must present a complete argument, with all the details.  

Contributory Negligence

In some states, contributory negligence is applied when it is determined than you will win a fair compensation. Under this claim, if it is found that the accident was caused by you, then don’t expect to receive payment for personal injury claims.

Comparative Negligence

Most states, use comparative negligence systems to figure out the best way to award compensation to car accident victims. You may get reduced compensations under this claim, if it found that you caused the accident.

The rule is generally applied on the laws of the state, so make sure that you know about them before you go and claim personal injury compensation. You should know that after an accident, you have at least 3 years to make a personal injury claim. However, it is advised that the sooner you make a car accident claim, the better your chances will be of winning compensation from the accident.

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