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Liability Coverage with Auto Policies Follows the Drivers, Not the Cars

When it comes to being injured in a car accident, many people find that they receive many injuries closely following the accident. When it comes to the insurance that they have, only certain things are covered which can cause a lot of problems for the person that is suffering the problem and do not have a way to receive the proper compensation after an accident that was not their fault.

Claims with the Insurer

It is important that the injuries sustained during an accident such as this are recorded. Keep in mind that sometimes injuries sustained after a crash might not happen right away, but it is important to have a thorough work up and proof of going to the doctors. Make sure to keep all appointments, follow ups and do all the required tests.

Some places require those in an accident to file a document with the DMV if there have been damages adding up to more than a thousand dollars, when someone is injured or when there is a death that occurred because of an incident. These usually have to be filed within 10 days of the incident date.

If the vehicle you are in is not insurance or only somewhat insured, then they can limit the recovery amounts you will receive because of the accident. You will not have lost wages returned or medical expenses reimbursed, as well as the diminished value of the vehicle. You are also dismissed from recovering any compensation from disability, suffering, emotional distress or disfiguration.

Even if the insurance company did cover the costs of these things, it would not be an easy fight to win. They would find many ways to make it so that those in the accidents would have to work really hard to obtain the compensation that they seek.

Filing Your Own Personal Injury Claim

Insurance companies are sticklers when it comes to what they will and will not cover. This is when you may want to seek out legal help for them instead. Through the use of a personal injury attorney, these people are able to go after not only the insurance companies but those liable for the accident that happened.

When it comes to being able to file a lawsuit against the person, the insurance company, or whoever is at fault, it is important to work with a qualified, professional attorney on the matter. Not only do they know how to obtain the compensation for these damages, but it can be done in a much quicker way. Insurance companies might not be telling the entire truth, while an attorney can make them provide the compensation that they are supposed to be providing during this type of incident.