Car Accidents and Insurance
What Does An Auto Insurance Policy Cover?
The policy should at least cover the state's minimum requirements for the three important categories listed above. Coverage is often abbreviated with a set of three numbers divided by backslashes. For example, 15/30/5 may be specified. This means that there is $15,000 allowed per injured person, $30,000 per incident regardless of the number of people involved and $5,000 for property damage. This is simply an example. Minimums for each category are set by individual state insurance laws and vary from one state to another.
Click Here: For Florida Insurance Policy Information
Bodily injury inclusions are for other motorists involved in the accident and do not cover the policyholder. Property damage provisions pay for damage to the injured person's vehicle, home or other affected personal property. A few states require uninsured motorist insurance. Although not all states require personal injury protection or PIP, some require this provision as well. While bodily injury coverage is for other affected drivers and their passengers, PIP covers the injuries of passengers in the policyholder's vehicle when there is an accident. It is required in some no-fault states. Optional collision insurance covers a wide array of accident-related damages even if an accident was caused by the policyholder.
Uninsured Motorist Coverage Explained
There are many wrong assumptions about uninsured motorist coverage. If another person drives a policyholder's vehicle, the policyholder is still liable for damages caused by that driver. Uninsured motorist coverage helps fill in gaps if the driver is uninsured or lacks adequate coverage to meet the state's minimum requirements. While it is an add-on option in most states, some states require policyholders to purchase this coverage. With this insurance provision, policyholders are reimbursed for lost wages, medical costs and other expenses incurred by the uninsured motorist up to the policy limit.
Click Here: For More Information on Florida Uninsured Motorist Coverage
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Are attorneys that handle motor vehicle accidents the same? The answer is no. Take your time when it comes to signing with a law firm. Speak with an attorney who
The legal profession uses the law of negligence in deciding motor vehicle accidents. The law states that those who operate a vehicle must do so in a reasonably careful manner. If the motorist does not use “reasonable care,” he or she can be accused of negligence. A driver who is determined to have operated his or her vehicle negligently may be ordered by the court to pay for any damages that resulted from his or her actions. These damages may be to people or property.
Head injuries such as concussions or brain injuries happen in bad accidents or in minor collisions when people do not wear seat belts. Back injuries such as herniated discs or spinal cord damage may happen due to impact. Whiplash and traumatic cardiac arrest also occur in some instances. Sprains, strains, lacerations and broken bones are common in the extremities. Emotional distress is also a form of injury that accompanies many accidents even if the physical injuries are not severe. This type of injury also occurs in witnesses who see a collision or its traumatic consequences.
If a second motorist directly caused the collision, you should make sure you get the driver’s insurance information. The insurance provider will want to record an official statement. Do not give any statements without speaking to an attorney first.
After a car crash, you may feel disoriented, and some of the details from the accident can be a bit hazy. This includes remembering who is at fault for the crash, which you will need to prove. If you are unsure, you must find out to determine who is liable for any injuries and property damage.
If you’ve been involved in a car accident in the Orlando area, an attorney can help you seek compensation. Florida Law can be complicated---and it may be difficult to know the proper steps when you are the victim of a vehicular incident.
If you were ever hurt in a car accident and accumulated medical bills, you probably wish you knew about PIP.
If you live and drive in the United States, you need to know how the state you live in impacts your auto insurance.