First and foremost your health and wellbeing are more important that any lawsuit or claim. However medical treatments cost money; sometimes a great deal of money and not everyone has insurance. The auto insurance companies are more interested in saving money then paying injured individuals the true and fair value of their claims.
Keep in mind that there are multiple sources of recovery available to you that will cover your medical bills, lost earnings and to compensate you for your pain and suffering. Not only is the insurance company of the other driver that caused your injuries responsible for all of your damages, but your own insurance company may provide you with multiple coverage to compensate for the damages. Often times this is provided to you faster and in a greater amount than the other driver's insurance company’s settlement.
Check your personal insurance to see if you have uninsured/underinsured motorist coverage, as well as medical payments coverage. Also, if you were in someone else's vehicle as a passenger at the time you were injured, there might be three separate insurance companies, all of which could provide coverage to pay your damages.
Many of these coverage policies can assist in paying some or all of your medical bills; even if there is a dispute as to who is at fault. If you do not have all of those coverage policies, get them! They are relatively inexpensive and will protect you and the household members of your family, in the event that someone's negligence causes injury to you or them.
It is important for you to understand that the largest percentages of these cases settle without ever having to go to trial. As long as your medical treatment was reasonable, necessary and related to the motor vehicle accident, you are entitled to recover all of your actual damages (medical bills past and future, lost earnings past and future) as well as an amount to cover the other damages like pain, discomfort, suffering, stress, emotional damages, etc…
If you or a family member has been injured in a motor vehicle accident, choose an experienced motor vehicle law firm, like Lawter & Associates, that knows how to deal with these insurance companies and adjusters.
Wed, August 5, 2009
by Matthew Reinstein filed under