I was at fault recently in a car accident. I am unfamiliar with insurance laws and my insurance plan. I did not endure any serious injury, but was taken to the hospital as a precautionary measure. However, damages to my car will be costly. Can I include these both in my insurance claim, even though I was at fault?
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Answer:
Because of differences in state insurance laws, there are differing answers to this. Some states have some form of “no-fault” insurance, where drivers and their passengers are covered equally, whether the driver is at fault in an accident or not.
In the case of a “no-fault” state, a car accident insurance claim is made the same regardless of fault or negligence. All property damaged in the event should be claimed, and all personal injury, including any negative effects to employment and emotional or mental trauma should be included.
Where fault is applicable, no personal injury claims may be made. However, in some cases property damage can still be compensated for through the insurance claim. In addition, fault is not always black and white. Insurance compensation can vary depending on the degree of fault or negligence. Because of this, it is important to provide precise documentation of the accident to insurance companies for an accurate evaluation.
Talk to a Car Accident Lawyer to get legal advice and find out what compensation you may be entitled to.
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Posted by Greg Cohoat on 06 Jul 2010