Your lawyer will tell you that car insurance plays a huge role in determining the outcome of a personal injury accident. You’ll learn exactly how car insurance plays a role in this article.
Who is required to have car insurance?
Personal injury lawyers know that anyone who drives a car must have car insurance. The majority of states require drivers to carry a minimum amount of car insurance coverage. Each driver must also have his or her vehicle registered with the DMV. This is important because the amount and type of insurance that the defendant carries will directly influence the outcome of your personal injury claim and the amount of your final settlement.Insurance coverage tends to play a major role in the outcome of personal injury accident claims and cases.
At-Fault drivers’ policy
Accident lawyer in Waterloo know that it’s your job to collect as much relevant information that you can about the other drivers involved in your accident on the scene. This includes names, phone numbers, addresses, and insurance information. You must also tell your insurance company about the accident immediately.
The driver who was at-fault must reimburse you for all bodily injuries and property damage you sustained as a result of the accident. You’ll hear from the defendant’s insurance company right away. An insurance adjuster will call you and meet with you. The adjuster will gather as many facts and as much evidence as possible to make a decision on a final settlement for you.
The insurance adjuster may ask you to provide a recorded statement. If you are going to do this, consult with your personal injury lawyer beforehand because this type of a statement is not required. In fact, it can work against you in terms of your personal injury settlement.
Keep in mind that it’s the insurance adjuster’s job to pay you as little of a settlement as possible. It’s up to you and your personal injury lawyer to try to get as large a settlement as possible. It’s the job of you and your lawyer to gather as much admissible evidence as possible to support your claims and position either in or out of court.
How will your own car insurance affect your case?
Sometimes, you may be hit by an underinsured or an uninsured motorist. It doesn’t matter if the other driver was completely at fault, if he or she has little to no insurance, your final settlement will either be nothing or pretty close to that!
It’s in this case that you’ll be filing a claim with your own insurance company. Remember that the insurance adjuster is concerned with giving you as little money as possible. Your insurance company works for you and is legally required to work with you. You can sue your insurance company if this is not the case. Keep in mind that you may have to submit other documents to get a payout from your own insurance company though.
Insurance complicates things
Insurance complicates matters in terms of the final settlement in a personal injury case. This is why you need to hire a good personal injury lawyer to help and represent you either in or out of court.