Who Pays for My Injuries After an Accident?

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Determining liability for an auto accident is usually a complex issue. Among the causes of road accidents include natural elements, poor road conditions, and most commonly, other motorists’ negligence. The good news is that under the state laws, you are entitled to compensation by the at-fault party in your accident. If you sustained severe injuries in an auto accident, the liable driver is under the obligation to pay for your damages, both economic and non-economic. This settlement is met through the insurance provider of the at-fault party. However, the settlement may not be instant due to the legal processes involved. This means that it could take weeks and even months before you could receive full compensation for your damages.

Available Insurance Options         

An auto accident is a traumatic experience. It is even worse if your injuries are catastrophic. That is why including an uninsured motorist policy on your insurance cover is essential. Typically, everyone has vehicle insurance. In U.S., however, you need three types of insurance, namely:

  • Personal Injury protection insurance
  • Uninsured motorist insurance
  • Liability insurance

These three insurance types will guarantee that you don’t pay for your injuries and damages after an accident with an uninsured driver. It is important to note that the at-fault driver does not have to foot your medical bills as you incur them as a rule. They are only required by law to pay for your damages if found liable in a personal injury trial. Due to the complexities of each car accident, it is very important to determine who is at fault as to avoid the full burden of the financial factor that comes with each auto accident.

No At-fault Accidents

If you were injured in an accident where there is no definite at-fault party, then your medical expenses will have to be catered for by your car insurer. If your medical expenses exceed the required limit for at-fault accidents, then it will be your responsibility to pay for them. This is where your personal health insurance comes in. If covered by a state-funded health program such as Medicaid and Medicare, these government entities will settle your hospital expenses. If you do not have any of these options, you will have to make arrangements to settle your medical bills.

Out of Court Settlements

Almost invariably, after an accident, you will be contacted by the at-fault party’s insurance provider. They will attempt to offer you a hurried out of court settlement. While this may be a good step, it is not usually the best approach, and you could end up regretting later. It would be best if you had your attorney present before signing any out of court settlement.

Depending on your injuries’ severity, you will need to retain your injury lawyer by your side if you are to have a successful claim and favorable outcome. An automobile accident can be devastating and traumatic, with severe social and economic effects. If you sustained catastrophic injuries, you would have to stay under medical care much longer as bills accumulate and your life gets disrupted. This is where a brilliant personal injury attorney with a solid record becomes your best option.