Serious Injury Accidents and Insurance Company Coverage Concerns
As a personal injury lawyer, it is important to keep in mind the various types of insurance coverage that are available from an insurance company and the factors that go into determining whether or not they will cover a claim. Insurance companies can only offer coverage under certain conditions, which may apply when the injury was caused by someone else or if there was no negligence involved in causing the accident. In order to determine what type of insurance coverage you have, it is vital that you contact your insurance company right away because there are some limitations on peace-of-mind benefits such as "no fault" clauses which limit what types of damages can be paid for.
If you were in a serious injury accident and the other driver was at fault, your own insurance company may deny your claim for compensation because they feel that you are partially responsible. This is where the importance of hiring an experienced personal injury attorney comes in to ensure that you get all reasonable damages. An attorney can help determine if you have a case to make against the insurance company to pay for all of your injuries and property damage. Insurance companies often mistakenly believe that they do not have to provide coverage or compensation for accident victims because of a "no fault" clause in their contract which states that the policyholder is partially at fault, even if they were not being negligent. While there are certain state laws that may prohibit paying for "no fault" claims, the insurance companies are not always following these rules and it is the responsibility of the injured to make sure that they have a valid claim.
A personal injury attorney can determine if there is a valid case against this type of insurance clause if you were involved in a serious injury accident and you should contact one immediately to help protect your rights. A lawyer can help review the medical records, police report and any other evidence regarding the accident to determine if you have a case which will hold up against an insurance company who refuses to pay as they should.
A no-fault insurance benefit may not cover all accidents and injuries that occur within an automobile. For example, if the accident was caused by someone else's negligence, it may be difficult to prove that you should receive compensation from your own insurance company even if you were a passenger in the vehicle. If you believe your own insurance company is denying your claim for a serious injury accident which was caused by someone other than you, it is important to contact an attorney immediately because of the time limitations on your injuries.
In order to determine whether or not an injury was covered under no-fault policy rules, it is vital that you contact your insurer right away because some coverage gaps will allow them to deny all future claims for compensation.
In some cases, an injury may not be covered by your own automobile policy, even if you were driving at the time of the accident. If your own insurance company refuses to pay for all of your damages, it is important to contact an experienced personal injury attorney that can help assess the situation and ensure that you get as much compensation as possible. It is the insured's responsibility to understand what type of coverage they have and what benefits are available.
All states require auto insurance companies to provide their policyholders with a copy of their no-fault provisions in order to help them understand how no-fault laws will apply in certain situations. The typical agreement will include limitations for peace-of-mind coverage in order to save the state from paying out claims to those that may not have fully recovered from their injuries. If you were involved in a serious injury accident, it is important that you contact your own insurance company right away because they have a certain period of time to review your case and make a decision on whether or not they will provide compensation for your damages.
In any kind of auto insurance contract, there are usually certain clauses that allow the insurance company to deny the claim of an accident victim even if the other driver was at fault. These clauses and regulations can vary depending on the state, but most of them are consistent in some way.
In most cases, your own auto insurance policy will provide compensation for damages if you have suffered a direct result of an accident caused by someone else. This is considered "first party" coverage in which the insurance company will pay for all damages that may occur as a result of an accident that was not your fault. Your own automobile policy (first-party) will cover your medical expenses, property damage, lost wages and other costs associated with the accident as long as you were not being negligent or breaking any traffic laws at the time of the accident.
In most cases, your own automobile policy will provide compensation for an injury which was caused by someone else or if you were being partially negligent in causing the accident. If you were found not to be at fault or negligent in causing the crash, your no-fault insurance will still cover your injuries as long as they are a direct result of the accident. This is considered "first party" coverage which can be very important to ensuring that you receive an appropriate amount of compensation.
When it comes to no-fault insurance clauses, there are limitations on your peace-of-mind coverage depending on the state and type of insurance policy you have. Most car insurance policies will provide peace-of-mind coverage in which the insurance company will cover your medical expenses, property damage and lost wages if you have suffered an injury within the first two years of your policy. This type of coverage can reduce the odds that an accident victim will be forced to file a personal injury lawsuit, as they may not have to because they are still in recovery from their injuries. If you were involved in a serious car accident, it is important that you contact your auto insurance companies right away because there are time limitations on how long you must file your claim for compensation.
These limitations may be found within a specific contract, even if there is no direct legal provision. A driver does not need to violate any traffic laws in order to have a valid claim against their insurance company if they were involved in an accident that caused serious injuries. While there are certain limitations on no-fault coverage, it is the responsibility of the injured party to find out for themselves what kind of compensation they are entitled too.
The typical automobile insurance policy will have certain clauses that may exclude some types of injuries from your peace-of-mind coverage even if you were partially responsible for causing the accident.
Conclusion
The No-Fault Act of 1975 was set to apply to all legal claims against auto insurance companies. This is true regardless of whether you were the driver or a passenger when an accident occurred. Regardless of your income, how much coverage you have, how carefully you were driving and how responsible the other driver was, every accident victim has the right to file a claim with their own insurance company for compensation as long as all legal requirements are met. For example: there is no requirement that the other vehicle had a high liability rating.
Coverage for major medical expenses is also required in most states; the insurance company will pay for your medical costs related to your injuries even if they are not covered by your own policy.