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How to Make Auto Accident Claims You should be prepared when you file auto accident claims. Making a detailed drawing of what occurred at the scene of the accident is the first step. This should include the street arrangement, the layout of the vehicle witnesses, and witnesses. Also, take note of any injuries or pain you suffered from the incident. In the case of pain and suffering, they can be considered to be an injury, and can even qualify as a claim for damages. Pedestrian accidents can cause serious injuries Pedestrian accidents are very frequent, and can cause a wide range of injuries. These injuries can be extremely serious and require expensive medical treatment. Moreover, they can result in stress for the victim. Distracted driving is a major reason for these accidents. Drivers who are distracted are usually texting or talking on their cell phones, which takes their attention from the road. These drivers pose a danger for pedestrians even if they drive at a slow speed. Pedestrians who are hit by a vehicle often sustain fractured bones in their bodies. In severe instances, this may lead to punctured lungs or even a heart. The pedestrian may also suffer burns or road rash and could be permanently infected. Many pedestrian accidents can also cause emotional trauma. Pedestrian accidents are usually the cause of fatal injuries or even death, which is why they are so tragic. The attorneys at Riddle & Brantley are experienced in dealing with these kinds of cases, and know the devastating effects they can have on the victim. No matter if the accident occurred on the sidewalk, parking lot or on a street, it could cause devastating injuries, or even death. The legal firm can help you get compensation for such injuries. If you've been hit by a car and were injured, you can file a claim with the insurance company for the driver. Be aware that the insurance company is a commercial entity and is motivated to make money. It will try to settle your claim as quickly as possible and with the minimum amount that is possible. If you fail to take care that you are aware of your rights to additional compensation and settle for lesser than what you're entitled. It is important to seek out the advice of an experienced personal injury lawyer to safeguard your rights and receive the money you are entitled to. Uninsured/underinsured motorist coverage Underinsured/uninsured motorist coverage provides an extra layer of protection to drivers who are in an accident. Personal Injury Protection (PIP), which is available to anyone hurt in a car accident, does not usually cover the entire cost of an accident. Fortunately, there are ways to maximize the amount of money you can receive from your Uninsured/underinsured Motorist claim. Underinsured/underinsured motorist claims cover the damage caused by an at-fault driver without enough insurance to pay for the damages. To file an underinsured driver claim, first verify that the insurance of the driver at fault policy does not cover the damages caused by the accident. If Accident Injury Lawyers was caused by a hit-and run driver, you must submit proof of physical contact and proof of injury. In some states, uninsured/underinsured motorist insurance is mandatory. In these states, the minimum amount of UM coverage is identical to your liability insurance. In other states, it's an option. Once you've found an uninsured/underinsured motorist, be sure to report it to your insurance company. Then, follow up with the adjuster assigned to your case. The adjuster will review the accident and make a determination regarding your claim. Uninsured/underinsured motorist coverage is an important part of auto insurance. This coverage can give you an additional boost to your claim. It can cover the cost of medical expenses, and also the damages caused by a driver who is not insured. Uninsured/underinsured automobile claims are often relatively simple to pursue, but they can be complicated. The insurance company will make a claim and then conduct an investigation if the at-fault driver doesn't have adequate insurance. They will also collect medical documents and other evidence in this time to determine the value of the claim. Depending on the severity the injuries, the process can take up to a few weeks up to six months. Collision coverage Collision coverage pays for damage in auto accidents caused by other drivers. It also pays for the damage to your vehicle when you collide with other objects, like guardrails or trees. You can select a lower collision deductible to lower the monthly premium. High deductibles can lead to greater out-of pocket expenses. It is important to consider the cash value of your vehicle when choosing collision insurance. Most of the time, the value of a vehicle's cash is lower than its purchase price which means that the amount of the deductible will be different. Collision insurance is an advantage for auto accident claims because you won't have to be concerned if you were responsible for the accident. It can help pay for expensive repairs or even a replacement vehicle should you are involved in a collision. This insurance is especially important for young drivers and teens who may not have a lot of experience driving. You should consider your budget when you choose collision coverage. Your situation and age will determine if you require full coverage or a lower deductible. Full coverage is more expensive than collision, so if you're only planning to use it for a single time then you should consider cutting down on the coverage. It is also possible to ask an agent about the conditions and terms of the policy, so you know what your deductibles are. Collision coverage can help you pay for repairs when you are hit by another car or objects. The maximum payout is based on the car's actual cash value. The coverage is not subject to any financial limits. It may not cover injuries to pedestrians or animals, fire damage, or bodily injury costs. MedPay If you or a guest is injured in a car crash you could be eligible to make a Med Pay auto accident claim. This insurance policy does not require proof of fault or negligence and will pay for your medical expenses, regardless the person who was at fault for the accident. However, you must be aware that this insurance coverage does not cover pain, emotional distress, or loss of wages. Be aware that this coverage isn't always applicable for all auto accidents. Certain states allow you to file a claim for injuries caused by drunk driving. You should also know that your MedPay insurance does not pay for damages caused by an accident caused by the intoxication of another driver. Medical bills can exceed the coverage's limits. In addition to covering medical expenses, MedPay will also cover funeral expenses. Although it is difficult to prove fault, this coverage can assist you in getting back to your feet following an accident. MedPay can help you avoid the high co-pays, deductibles, and other costs that come with your health insurance. In addition, MedPay will cover ambulance charges and emergency medical technicians. It also covers prosthetics and nursing care. MedPay is also beneficial to drivers who are responsible for transporting passengers outside of their family. Although you are not allowed to claim medical expenses beyond the policy limits, this insurance can still prove beneficial for drivers who frequently transport passengers that are not part of their immediate family. MedPay is particularly useful for drivers who use ride-sharing services, since ride-sharing companies require riders to have additional coverage. MedPay coverage is an excellent benefit for drivers who have high deductible health plans. It can even cover co-payments for those without insurance. For instance, imagine that you pay more than $100 in medical expenses after a car crash. You'd be required to pay the total out of pocket without medical insurance. Non-economic damage Non-economic damages are the physical and emotional hurt that results from an accident in the car. These damages are meant to compensate the victim. They can cover medical expenses and car repairs. They may also include lost wages or time away from work. The suffering and pain can last for years and can be difficult quantify. A non-economic damages claim can compensate an individual for the losses and more. To obtain non-economic damages from the other party in an auto accident claim, a personal injury attorney must first establish that the other driver's negligence caused the injuries you sustained. This can be especially difficult in cases where the injuries aren't economically calculable. However, it's not impossible. A competent attorney can present this claim and negotiate an agreement on your behalf. It is impossible to quantify the non-economic damage so you should keep a record of your experiences. Keep track of your daily emotional pain levels and any changes in your relationships. Also, note any emotional turmoil you have experienced due to. Documenting this type of information will help your lawyer write a narrative about your case. When determining non-economic damages, the jury should consider the severity of the injuries as well as the impact they will have on the injured person. These damages include medical expenses for past and anticipated future medical treatment, lost wages and other property damage. In many cases, juries may award this amount by multiplying the severity of the injury by a multiplier which varies between 1.5 and five. In certain states, the non-economic damage cap is set at between two and three times the amount of economic damages. The defendant's financial resources could also affect the amount that is recoverable. Some insurance policies will only cover a portion of non-economic damages.