Is insurance coverage an important issue?
- March 29, 2017
Insurance coverage is an important issue in any accident, but it’s especially important in specific accident cases. If you’ve been involved in an accident caused by someone else, there are many questions you might have regarding insurance. It’s not easy to answer the questions you have without specific information considering every state, every accident, and every type of vehicle has different regulations, laws, rules, and factors to consider. To give you a bit more information about the importance of insurance coverage in an accident, we’ll narrow it down to cover some of the most common accidents and scenarios.
No-Fault/Fault States and Insurance
There are two types of states. One is a no-fault state in which accident victims and drivers who cause the accident are required by law to use their own insurance policy to claim their accident no matter who is to blame for the accident. If someone else causes the accident you’re involved in, you’ll call your insurance company to file a claim. They will pay for the repairs to your car, your medical bills, and any other costs you incur. Your insurance company then goes after the insurance company of the other driver for reimbursement once fault is determined.
A non no-fault state is one in which you file a claim with the at-fault driver’s insurance company following a car accident. They are responsible for providing you with a rental car, for repairing your vehicle, and for paying your medical bills if you incur any as a result of the accident. Insurance is vital in both states, because someone has to pay for the damages to your car and your health.
Uninsured Motorist Coverage
One of the biggest issues with insurance falls within the realm of uninsured motorist coverage. Many states require drivers have this type of insurance no matter what. Other states do not, but there is always a big insurance issue when the at-fault driver does not have an insurance policy. If the person who hits you doesn’t have insurance, your insurance company will pay for the damages caused by the accident.
If you have ample damage, major injuries, or any other financial burden as a result of your accident, you can still file a lawsuit against the over driver. However, the chance of being awarded any damages is very little when a person has no insurance company to cover costs that significant.
Motorcycle Accident Coverage
If you’re on a motorcycle when you are hit, you have even bigger issues. The importance of insurance is major in this situation. In many states, personal injury protection does not cover the medical expenses involved in riding a motorcycle. In a situation such as this, you must utilize your health insurance, find out what kind of insurance coverage the other driver has if they are at-fault, and you might consider a lawsuit if the coverage they have doesn’t cover the cost of your medical bills.
Insurance is important in every accident case, but it’s especially important when you ride a motorcycle. It helps to follow the rules of the road as well as the laws and drive safely, but you cannot control how others drive and what they do behind the wheel of their own vehicle. Before you get on a bike, it’s imperative you understand the risks you take by getting on the road with drivers who have no insurance, who might be negligent behind the wheel, and who can change your life in an instant.
Personal injury attorneys are available to speak with you about your accident case. Insurance is so important, but it’s not the only way to seek compensation following an accident. Understanding your rights and discussing your options with an attorney is one of the best ways to figure out where to go next. If you find out the other driver has no insurance following your accident, a lawsuit might be the only way to ensure you are compensated for your troubles. It costs nothing to speak to an attorney about your case, and you only pay a fee for our services if you win your case. Let us help you following your car accident.