Every state requires that motor vehicle owners have their vehicle insured. A number of people only consider the benefit of this coverage when an accident occurs that they are responsible for. However, this coverage is just as important when you are involved in an accident that is not your fault. Make sure you understand just how your policy can be of aide in the event of an accident.
Although it is the law that all vehicles be insured, the unfortunate reality is that some people fail to adhere to these laws. If a person hits you without coverage, unless they are wealthy, the financial responsibility for covering any property or physical injuries becomes your own.
When you have insurance, you have a back-up plan in place. Many polices come with uninsured motorist clauses that extend coverage should you be involved in an accident with a driver who is either not insured or underinsured, meaning their policy isn’t large enough to cover the cost of the accident expenses.
When settling any compensation agreement for an accident you have two options: a civil suit or an insurance claim. Compared to a civil suit, filing a claim generally results in quicker receipt of payment. With a suit, there is a long list of red tape that must be cleared, including court filings and trial dates. Depending on the value of the case, it’s not unheard of to wait several months, or even years for compensation.
When you hire a personal injury attorney like Siegfried and Jensen to file a claim with the insurance company, the process is streamlined. A straightforward process allows you to get cash in hand for important repairs or medical expenses sooner.
Less Down Time
If you’re involved in a major accident, your vehicle may be totaled or in need of significant repairs. Either of these scenarios can mean an extended period without transportation. However, when you have insurance this is generally one less concern you have to bother yourself with. A number of polices come equipped with rental reimbursement.
Depending on the policy, the insurance company may pay for the rental of a vehicle upfront or reimburse you for the expense. Whatever the terms, this level of protection allows you to get behind the wheel and move forward with any professional or personal obligations you may have.
If you have been involved in a motor vehicle accident, you deserve to be compensated. An attorney can work alongside you to help you accomplish this goal.