Don't Expect Insurance To Cover Your Accident Losses

Posted on: 16 September 2020


It's a sad fact of life that premiums paid to an auto insurer often result in a lack of adequate coverage. That knowledge often comes as a surprise after someone has been involved in a car accident. If you have been hurt by a careless driver, read on and find out why you cannot rely on what the insurer offers you after an accident.

Who Was At Fault?

When it comes to being paid what you need and deserve, fault is key. If you were at fault, or even partially at fault, you may need to rely on your insurance to cover the bare necessities like medical bills and perhaps a car repair. If the other driver was at fault, though, medical expenses and personal property damage is only the beginning of what you should be paid if you make the right moves.

How Have You Been Damaged?

After an accident, you need to take stock of all the ways the other driver has changed your life. For most accident victims, the accident affects them both financially and mentally. Accidents can mean losing time from work and falling behind on your bills. That can impact your credit score and hopes of buying a new car or home. The way the physical injuries wreaked havoc with your mental state is another big form of accident damage. Pain and suffering, if you take the right actions, can amount to several times your medical bills and that can mean hundreds of thousands of dollars paid to you. Take a look at this list of common accident losses that victims are entitled to be paid:

  • Medical expenses.
  • Lost personal property like a car, clothing, cell phones, child car seats, and more.
  • Lost wages from a job.
  • Pain and suffering.
  • Loss of consortium.

How to Take Action

Of the above losses, only the first two are likely to be covered by the other driver's insurance. To be paid everything you deserve in losses, you must take legal action. Taking legal action means speaking to personal injury lawyers about your case and letting them negotiate a good settlement for you that covers everything. You may be entitled to two or three times what the insurer initially offered you. Don't trust the other guy's insurance adjuster to be fair to you. They are a for-profit business and they seldom voluntarily pay victims what they should. Talk to a lawyer and never speak to the other side for any reason. Let the lawyer handle everything for you so that you can concentrate on healing from your injuries.