What Happens After A Car Accident

A person is still likely to get involved in an automobile accident even though safety in the design of automobiles and roads has greatly improved. Car accidents are not always followed by a lawsuit. In circumstances when there have been no injuries obtained or the injuries are merely minor, it is possible to acquire monetary compensation through the driver’s car insurance company. When a damage or injury is serious, a lawsuit is more probable to follow.

Specific Insurance Problems

Car accident victims may encounter problems concerning insurance. These concerns are categorized into three classes:

1. The driver is uninsured
It is often difficult for an injured victim to acquire proper compensation from a driver who is not covered by any insurance company. In circumstances when the victim is uninsured, states have been trying to modify their laws to impose a limit on the uninsured victim’s right to charge for damages of pain and suffering. A number of drivers make sure that their automobile insurance policies allows them to keep an “uninsured motorist coverage” so that compensation will not be a problem when the other driver is not able to bring with him his insurance or can not be recognized.

2. The driver is under insured
This case is similar to the case of an uninsured driver. Some drivers’ insurance coverage fails to pass the required minimum level imposed by law. Many states retain very low insurance requirements which means that some of the worst drivers carry with them insufficient coverage because of the high cost of insurance as a consequence of their negative driving records. Some car insurance companies provide under insured motorist coverage to protect drivers during accidents brought about by a person who has insufficient coverage.

3. Bad Faith
There could be certain circumstances that people making claims with their insurance companies are deprived of a fair negotiation. For instance, an insurance company may refuse to give an appropriate value for a “totaled” vehicle. There are some states that reinforce the “no fault” policy where drivers need to get their own insurance for accident – related matters. In that set up, it can concern the inappropriate denial of coverage or compensation by the insurance company.

This article is not intended to provide legal advice.

Further Legal Reading: To become more informed on the legal implications of insurance negotiations done in bad faith, contact Justice for All Attorneys Kelly / Uustal in Fort Lauderdale, Florida.