If you’ve been injured in an auto accident, you can receive payment or compensation for lost wages, medical bills, and other expenses. This compensation will be coming from the insurance company of your car or from the perpetrator of the accident.
If you want to know more about your personal injury case, Hansen Injury Law Firm will help you settle your case. However, if you want to personally know how a car accident settlement goes, you can read the information below:
Coverage of Car Insurances for Personal Injury
You should first understand the different car insurances that may cover personal injuries. How much you can claim will depend on the nature of the accident and your policy.
Liability Coverage for Bodily Injury (Negligent Driver)
You can get this coverage when you are not the perpetrator. You should take note that your personal liability policy won’t cover you though.
The “No-Fault Insurance” or the Personal Injury Protection
This will compensate you for the medical costs you incur but only up to the limits of your policy. This applies even if you are the one who is at fault.
Coverage of Medical Payments
This pays for incurred medical expenses regardless of who is at fault. But it doesn’t cover your lost income, loss of services, and funeral expenses. This payment only compensates medical bills you incurred.
Uninsured Motorist Coverage
This pays your injury expenses if you are a hit-and-run accident victim or if you are hit by a driver who has no limits.
ault and Claim
The best way for the insurance company to determine the perpetrator of the accident is through thorough investigation. You should present a valid argument to support your innocence. Provide evidence. Any irresponsible behavior that causes a car accident is what they call negligence.
Contributory Negligence
With contributory negligence, you won’t receive any compensation for your personal injury claim. Why? It is because you are partially at fault for the car accident. However, there are only a few states that consider contributory negligence when determining compensation.
Comparative Negligence
Comparative negligence is mostly used as the basis for determining the amount of compensation. Its exact rules depend on the laws of your state.
Personal Injury Cases and the Damages
Personal injury damages include the indirect emotional damages and the direct financial costs. The most common damage is the compensatory damage. This includes all injuries or losses you gained because of the accident. Examples of compensatory damage are lost wages, medical bills, property loss, etc. There’s also what we call the general damage. These include emotional distress, suffering, pain, and loss of amenity. In calculating general damages, you need the trusted opinion of a medical expert and a solicitor.
Conclusion
If you have more questions about your personal injury case and the compensation you can take, seek advice from your attorney. Just make sure that the legal advisor you’ve chosen is an expert of the local laws since they differ from state to state.
