What You Need to Know About Auto Accident Insurance Claims
Being injured in a car accident that wasn’t your fault means you may be able to recover compensation to pay your medical costs and other losses through insurance claims. However, dealing with an insurance company isn’t always easy, and engaging the help of a Mississippi injury lawyer may enable you to recover maximum compensation.
Having car insurance in Mississippi is required because you can end up having your license suspended and facing a $1,000 fine if you don’t have it. Obtaining more than the minimum is probably a good idea to cover your insurance claims if you cause an accident. Following is the minimum coverage:
- Bodily injury coverage for one individual is $25,000.
- If more than one person is injured in an accident, the bodily injury coverage is a total of $50,000 for everyone.
- Property damage coverage is limited to $25,000.
Why Should I Add More Coverage?
If you cause an accident, you could find yourself facing insurance claims for the injured person’s medical expenses, lost wages and repairs or the replacement of their car. If the person dies, you will also be expected to pay the funeral bills. You might even be sued if the injured party wants to ask for punitive damages and pain and suffering.
Additional Insurance Coverage
Adding MedPay, an uninsured/underinsured policy and collision and comprehensive can cover your insurance claims for any event. MedPay will cover medical bills and deaths no matter who was at fault for the collision. An uninsured/underinsured policy can cover you if the at-fault driver has no or little insurance or simply can’t pay. Collision and comprehensive covers vandalism, natural disasters, crashing with an animal or car theft.
When the Other Driver Is at Fault
If another party is legally responsible for causing your car accident and resulting damages, they must pay for those expenses. You can file a claim with their insurance company. You will be covered (up to the limits of the other driver’s policy) by their insurance. A lawsuit can be filed after that to seek additional compensation not covered by their insurance. In the event that you have MedPay and/or Uninsured/Underinsured motorist coverage, these policies will help.
How Does an Injury Lawyer Help With an Insurance Claim?
An injury lawyer can help you negotiate with insurance companies and ensure that you receive the compensation you deserve for your injuries. An injury attorney understands the legal process and knows how to present evidence of fault, damages and medical bills in a way that has the best chance of getting you a larger settlement. They also understand how insurance companies attempt to reduce or deny claims and know how to best fight back against those tactics.
A lawyer can also help you evaluate settlement offers and advise you on the drawbacks or benefits of any offers made by insurance companies. In addition, an injury attorney will often be able to negotiate a larger settlement than if you were to pursue the claim yourself.
Diaz Law Firm: Car Accident Lawyers
You can find out what your options are moving forward by scheduling a free case review at Diaz Law Firm. Schedule a free consultation today to learn how we can help you with your accident injury. If you have any questions, please feel free to contact us at (601) 607-3456 or (800) 459-2222. You can reach us online if that is more convenient for you.