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Auto Accident Claim Compensation If you've been in an accident, you need to be aware of your rights and options regarding claims for compensation from auto accidents. The first step is to gather appropriate documentation. Document the accident site and any injuries. These documents should be handed over to your attorney. You might also want to check with your state's Department of Motor Vehicles to determine if your driver's license or registration was cancelled or suspended. Traditional auto insurance covers damages A standard auto insurance policy covers a wide range of expenses, including repairs to your vehicle and the vehicles of other vehicles. It also pays for legal fees if you are sued for damages. You can also opt to include roadside assistance coverage or loss of use coverage to pay for towing. If you have collision insurance the insurance will cover the repairs to your car with the exception of your deductible. In some instances your insurance company may attempt to recover the amount from the insurance company of the other driver. automobile injury attorneys is important to remember that not all insurance policies will cover other drivers. It is recommended to look into different options if worried about your car insurance not covering repairs to the car of the other driver. You can also purchase uninsured motorist coverage, which helps cover your medical expenses as well as other accident-related expenses. In certain states it is mandatory by law. This coverage is optional but it is very beneficial in certain scenarios. For instance, in an auto accident where you were the cause it is possible to receive a reimbursement for medical expenses. You should consider getting specialized insurance if you own a high-end vehicle. While traditional insurance policies for autos are designed to cover a broad variety of vehicles, classic and performance vehicles require a specific type of coverage. These types of vehicles are typically more expensive than regular vehicles, more prone to theft and require specialized repairs. These vehicles aren't covered by traditional auto insurance policies. You'll need an insurance policy specifically for them. Comprehensive and collision insurance must also be considered. These policies protect you from damage that is not caused by collisions such as vandalism, weather, and animal damage. Comprehensive coverage is an option in the majority of states, but could be required by your leaseholder or lender. Comprehensive coverage may also be required to cover funeral costs or medical expenses for injuries, but it isn't usually used to be able to cover lost wages or other costs. Economic damages are not covered. While non-economic damage isn't normally covered by insurance claim for auto accidents but they are crucial to document. These damages aren't tangible, however, they can cause significant emotional and physical pain. To claim this type of damages, you'll need a personal injury attorney to help document the damages and present them to jurors. Non-economic damages include suffering and mental trauma. These damages are as real as financial loss. They can dramatically alter your lifestyle. They can also cause emotions of grief, sadness, or depression. The process of convincing an insurance company to take care of the costs of these kinds of injuries isn't easy. Other damages that aren't covered by auto accident claim settlement include diminished quality of life. You may not be able to enjoy certain activities because of the injuries you suffered during an accident. These losses could lead to substantial compensation, but not all of it. In certain instances an injury may cause an injury that makes it impossible for an individual to work. Non-economic damages may be limited to two to three times the economic damage in some states. In other cases they are capped at less. They are calculated by taking into account the time needed for a person's recovery, pain levels, as well the psychological impact of an accident. The damages can be evaluated by your attorney. Non-economic damages include scarring, handicaps, and chronic pain. A monetary award of these types of damages can be vital in ensuring care for someone who has suffered an injury. In Florida these kinds of damages are subject to caps as the law limits the amount of money available for pain and suffering. The timeframe for making an claim Following an auto crash You may be confused about what to do. It is important to make a claim for compensation as soon as you can. Your lawyer will be able to help you sooner if you submit your claim as soon as possible. While many states have strict deadlines for filing claims it is important to keep in mind that the clock begins from the date of an accident. You must provide all information required by the insurance company when you file your claim. This includes the police report, any photographs which show the extent of the damage, and the insurance information for all parties involved. Insurance adjusters will examine the claim and determine the amount you will be compensated for your injuries or property damage. Three years from the date of the accident is the minimum time to make a claim. There are exceptions to this policy. In many cases you can make a claim for an earlier time frame. However, if the accident was your fault, it is advised to submit your claim within three years of the date of the accident. The timeframe for filing a claim is different in every state. A no-fault lawsuit can be filed in just thirty days, whereas a lawsuit takes three years. These times vary, so it is important to consult with a lawyer before filing your claim. In any event, it's essential to submit your claim as soon as you can. If you file your claim, the sooner you'll be able to begin collecting evidence. Remember, memories fade and witnesses might move away. The insurance company will study the claim and make an offer for settlement. If your claim is rejected, you can appeal to a claims adjuster. If the insurance company is not willing to settle your claim, you have to file a lawsuit in court. Cost of filing an insurance claim The expenses involved in filing a claim can vary in relation to the type of accident. It is important to know the limits of your policy and ensure you have the appropriate coverage. The severity of your injuries and the damage to your vehicle will determine the amount you will receive for your injury. Often, a settlement amount is not enough to cover the total expenses of the accident. Attorney fees can range from a few hundred to thousands of dollars. The cost can be as high as $100,000 in cases of severe injury. In most instances, these costs are a fraction of what it costs to go to trial. With this in mind, it's important to inform your attorney about the costs for your case. Insurance companies can also cover the cost of a rental vehicle or alternative transport. If you're at fault for the accident the insurance company may provide a car rental or alternative transportation. You should also know that insurance companies will not pay these expenses if you're 50% or more accountable. You'll have to increase your insurance coverage if you have multiple accidents. After an accident, it is easy to become overwhelmed by the expense of medical bills and repairs. Emotional traumas can also be a problem that can persist for years. Accident-related injuries to your car are often very severe. It is crucial to start a claim as soon as possible. If you put off filing a claim for too long, you could not receive the compensation you deserve. Once you've submitted your claim, the insurance company will investigate the incident. They might be willing the possibility of negotiating with you to resolve your claim. In other instances, they might reject your claim. Limitations on coverage Your insurance policy for your car should protect you from the other party in the event that you are involved in an accident. In certain jurisdictions, the minimum liability limit for each party is twenty-five thousand dollars. In other jurisdictions the limit may be higher. Additional limits on liability protect against damage to property or serious injuries. It is essential to know the maximum limits on your policy. A majority of drivers have minimum liability coverage. Others may choose to purchase additional insurance with greater limits. These limits are crucial in determining the amount you are able to get in a situation involving automobile accidents. If the insurance policy does not cover the damages you sustained as a result of the accident, the other party will likely be unable to compensate you for any amount. There are also different time limits for filing lawsuits. In the case of a state you might have an entire year or two to start your lawsuit. This is based on the nature and amount of your claim. There are different limits to intentional claims, malpractice claims and workers' comp claims. The most effective rule of thumb is to determine the time of limitation beginning with the date of the accident. The insurers set the limits for bodily injury and property damage in auto insurance policies. These limits are usually not exceeded by claimants. You'll have to request additional compensation if the limit on the insurance policy of the other driver is fifty/100 for bodily injuries and twenty-five thousands for property damage.