Motor Vehicle Insurance:   What may appear to seem a simple auto accident may in fact involve a myriad of insurance claims and benefits from the auto insurance policies of all of the parties involved in the accident.  The following are some of the potential claims and benefits:

  • Property Damage & Collision:   If the other party was at fault for the accident, then their property damage coverage should cover your car's damage and/or replacement as well as your rental bills.  If however, they failed to carry coverage or have insufficient coverage, then your own policy's collision coverage should cover your damages.
  • No Fault Benefits (aka Personal Injury Protection):   These benefits will cover you, and in some cases your passengers, regardless of whether or not you were at fault for causing the accident. 

    • Medical Bills & Treatment:  No Fault Benefits also cover a percentage of your hospital and ambulance bills, as well as subsequent treatment with a doctor for any injuries suffered in the accident. 

    • Lost Wages, Mileage & Out-of-Pocket Costs:   If you are disabled from working as a result of the accident, then your No Fault Benefits can reimburse you a percentage of your average earnings.  Mileage and prescriptions may be covered as well.
  • Permanent Injuries:   If the other party was at fault for causing the accident and they caused you permanent injuries, then you may make a claim under their bodily injury insurance.  This insurance is meant to cover permanent damage such as disk bulges and herniations, scars, disfigurement, disability, future earnings loss, future medical expenses, and all of your other damages resulting from the auto accident.
  • Uninsured or Under-insured Motorist:   In too many cases, the at-fault party failed to carry sufficient bodily injury coverage or carried none at all, in which case they are deemed an "uninsured motorist."  Assuming your auto insurance policy includes uninsured motorist coverage, then your own auto insurance company will cover you for the damages caused by the uninsured or under-insured party.

      Motor Vehicle Deaths:  All too often an auto, trucking or motorcycle accident ends in one or more of the parties passing away at the scene or later on at a hospital.  Although the deceased obviuosly can not make claims against the at-fault parties, thier spouse, children and/or relatives can.  Therefore if a loved one of yours has died as a result of an auto accident, you should immediately request a competent legal analysis as soon as possible.


 

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