Articles Posted in Auto Accidents

Auto-Insurance-Tips-300x166What type of coverage are you going to wish you had if you get in an Auto Accident? So many people just call an agent and try to find the cheapest deal, then they find themselves involved in an accident and now they pay. If you are on a budget you will have to pick and choose what kind of coverage you can get, but sometimes adding very simple things that will protect you don’t cost much at all. Here are some Auto Insurance “MUST HAVE” coverages:

1. Liability Insurance – In the state of California the required minimum limit is $15,000 per person and $30,000 per accident. Thus, a lot of people think if they buy a $15,000/$30,000 they have full coverage. In that specific case, you are correct in that you have met the state minimum required limits, by law, but that is not nearly enough coverage to protect you in the event of an accident. These policy limits were put into place a long time ago, and today’s medical bills, if you hurt someone else, will usually exceeds these limits. If you hit someone and you are found liable for the accident your liability limits would be responsible for any and all related medical care and treatment including their pain and suffering. For example, an average ambulance bill is $2,500 if they don’t bill health insurance. A life flight can be $30,000 or more, if a person is really hurt!! An ambulance and an ER visit alone will likely exceed the minimum limits of $15,000! Thus, if you get in a collision and you hurt someone your $15,000 very likely will not be enough. If you do not have a large enough policy to pay a claim, and you own assets that injured party can go after your assets. Nobody wants this to happen! So it is very important that you get more than the minimum limits! Talk to your agent about what they suggest. If they don’t help you, get another agent!

2. Under Insured and Uninsured Motorist – This coverage is an absolute must, especially here in the state of California!! It is amazing how many people still don’t have this on their Auto insurance policy, and worse yet most people do not know what this coverage is or how it would apply to them. Let’s just say if you buy liability coverage to protect someone else if you hurt them, you should also purchase at least the same amount to protect yourself if you get hurt by an uninsured motorist, or someone without enough coverage. You must add this to your policy immediately, and it should be at least as much as you get for liability. For example, if you are injured by someone else and they only have the state minimum limits of $15,000.00, but your bills totaled $25,000.00 you would still be responsible for the remaining balanced owed on this bills. However, if you had Under Insured Motorist Coverage of $50,000.00 they would step in to cover the remaining balances owed above the $15,000.00 paid by the liability settlement all the way up to the policy limits of $50,000.00. As stated above, in the state of California the minimum limits required by law are just not enough to cover someone’s injuries and Uninsured / Under Insured Motorists coverage can protect you from those that only have the state minimum limits.

When you are involved in a motor vehicle collision and you are injured there are certain questions that every injured party wants answered. Some of this information and the corresponding insurance terms can be confusing, and rightfully so since often times this information has never been explained to you. In order to pursue a claim against the party that caused the collision there are certain things that a personal injury lawyer must determine. One of the initial factors that must be determined is liability.  Once liability is determined, then a Negligence claim can be made for Damages.

What is Liability?

Liability simply means who is “liable” or at fault for the accident. Once liability is determined; the person found liable will be responsible for any harms and losses that they have caused you or your family.

Brain InjuryIf you or a family member or friend has sustained a traumatic brain injury as a result of an automobile accident or a slip and fall, trying to understand your legal options can be a very difficult task. Simply understanding the challenges they may face while trying to live with this new condition is in itself incredibly difficult.

Over half of all reported traumatic brain injuries are the result of an automobile accident. In 2006, a study was done at the Atlanta National Center for Injury Prevention and Control regarding the correlation between auto accident and traumatic brain injuries. This study showed that out of the roughly 1.4 million people involved in auto accidents annually, 280,000 people in the U.S. suffer from a motor vehicle induced traumatic brain injury each and every year. In fact 20% of all brain injuries result from motor vehicle accidents!

So what causes a brain injury? We know that the human brain does not fit tightly inside our skulls. When a person’s head hits a solid object like the steering wheel, headrest or window, or is violently thrown forward and backwards, trauma to the brain can occur. The sheer force of the crash can cause the brain to collide against the interior of the skull, which can cause the brain to bleed causing added pressure on the brain.

Auto AccidentIn the United States there are over six million car accidents each year. For the most part, these accidents primarily involve property damage claims. Unfortunately, roughly one in every three auto accidents do involve a personal injury, sustained by either the driver or the passengers involved. According to the California Highway Patrol  there were 223,128 people injured as a result of an auto accident in the state of California in 2013.

Now most people are under the assumption that auto insurance carriers will help you if you are involved in an auto accident, however that is only true in some cases. The truth is there are many factors involved here, such as which insurance companies are involved, and the corresponding coverage that may or may not apply. The most important thing you can do after an auto accident, is protect yourself and there are several ways you can do that.

If you are involved in an automobile accident, there are some very important things you can do to protect yourself and your interests. First and foremost, after the accident, you want to make sure that you pull over safely to the side of the roadway. If your vehicle is able to be moved from danger, you should do so, this is important for the safety of everyone involved including those additional drivers approaching the accident scene. Once you and your vehicle is safely secured you can now begin the initial steps in this process. Of course you want to exchange your insurance information with all parties involved and you will most certainly want to notify the police department of the accident, however there are additional steps you can take to protect yourself.