If you’ve been injured in auto accident, you may be concerned about all of those bills mounting up that you can’t afford to pay. You’re battling with a claims adjuster about your injury, waiting to find out if and how much the company will pay. All of this stress makes it difficult to concentrate on getting well or even just improving.

 

What Constitutes Compensation

All medical expenses should be included in your demand for compensation for your injuries in a car accident. However, other damages may be awarded which also were the result of the accident. For instance, you may have lost wages because you missed work while you recovered from your injury. Additionally, you may receive money for other damages such as pain and suffering, emotional distress and long-term effects. You may even be able to get punitive damages, which are designed to punish the other driver for his or her action.

 

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Type of Coverage for Car Accidents

If you carry auto insurance, you can seek compensation through your carrier. You may have medical payments coverage, which pays for medical expenses whether the accident was your fault or the fault of the other person. It only pays for the costs of medical care, not lost income.

 

You may also carry personal injury protection or what is known as PIP insurance. It pays for medical expenses as well. Another option is uninsured or underinsured motorist coverage, which pays for medical care if the other person was at fault but doesn’t have coverage.

 

Limits for Compensation

If the other person was at fault, you may seek compensation through their insurance under liability coverage. Whether you receive compensation and how much depends on several factors. A personal injury attorney will help you maximize your compensation.

 

If you are at fault or partially at fault, you may not receive the full amount of compensation from the other party. The adjuster will determine what percentage of the fault is yours and use that to calculate the awarded amount.

 

The Process

The claims process for compensation begins once you and the other party contact the insurance providers. You will tell your side of the story to your adjuster and they will follow up with the other party.

 

The claims adjuster will look at the police report and any physical evidence of the accident. They will talk to witnesses and review medical documents about the resulting injuries. You will need to provide copies of all bills and other expenses that resulted from the accident.

 

Your doctor will either release you once you have recovered fully or provide a prognosis report if your injuries are permanent. The insurance provider will provide an offer of compensation. If you refuse the amount because it is not high enough to cover your medical expenses, you may begin negotiations to reach an agreed amount.

 

If you cannot come to an agreement, you may need to move forward with litigation. This is where the case is brought to court and a jury or judge determines the amount to be awarded.

 

Why You Need a Personal Injury Attorney

As you can see, dealing with the effects of a car accident can be complicated. There are a lot of factors to consider and determining compensation can be challenging. A personal injury lawyer can help you determine how much you are entitled to in damages and maximize your compensation. 

 

There are other reasons to hire an attorney. They can handle the case from the beginning so you can concentrate on getting well. The lawyer will talk to creditors and claims adjusters about the case, and can take care of negotiations on your behalf if the case goes onto litigation.

 

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