Accident Liability

Why do I need auto insurance?

Purchasing insurance is an important protection (some say necessary evil) in many facets of life, and particularly in regards to driving a motor vehicle. In fact, many states require that drivers have some minimum amount of automobile liability insurance - which protects you in the event you are at fault in an automobile accident, and ensures that any other driver is insured in case of an accident that injures you.

Should I talk to an insurance adjuster about the car crash?

While you will likely have to discuss the accident with your own insurance adjuster, you are not legally required to cooperate or discuss the car accident with the insurance company for the other driver. Be very cautious towards adjusters who contact you requesting information from you such as medical records, a statement, etc. in order to settle the claim. Remember that generally the only reason the adjuster for the other insurance company wants your statement is so they can attempt to build a defense against your claim or minimize their payment of the claim. If you are in doubt about whether or not to talk to an adjuster, you should always consult an attorney - once you inform the adjuster that you have retained an attorney, they are prohibited from contacting you directly again.

Won't my insurance company pursue a claim for any personal injury suffered by me or my passengers?

No, the insurance company will not. It is up to you and/or your attorney to initiate the personal injury process. If you have sustained anything more than very minor injuries, it is usually a good idea to seek the advice of an experienced and reputable personal injury accident attorney who will know how to properly evaluate your claim and collect the full measure of your damages.

How much money can I expect to get from my car accident?

The amount people receive from their insurance company after a car accident depends on a number of criteria. They normally include:

* Severity of injury(if any)
* Liability of the accident
* Fault in the accident
* Destruction of property
* Type and amount of insurance of the other person(s)

The amount also greatly varies on the opinion of the individual insurance adjuster. The insurance companies are out to protect themselves are will not pay more money than they have to. That is why it is absolutely imperative to talk to a car accident lawyer immediately after your injury.

What will an insurance company do to avoid paying the correct amount of money?

Some insurance companies will go to extreme lengths to avoid paying the compensation they owe to the victims of their client’s liability. They will ignore phone calls, refuse to see people when they show up at their office, or fail to provide a fair amount of financial restitution to the people that deserve it. Talking to a vehicle accident lawyer as soon as possible in order to ensure victims get the money they need.