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I was at fault for an accident that did not involve another vehicle. I am badly injured. Do I pay for my own damages?
I veered off the highway and hit a guardrail when I was driving home from work (I work the late shift). My leg is broken, I have a herniation in my back, and my doctor believes I have sustained soft tissue injury because of the accident. I was at fault for the accident, since I fell asleep at the wheel. I don’t have medical insurance or anything, and the medical bills are going to be big. Does my car insurer have to pay for the injuries, medical bills and lost wages.
Answers (1)
Most states are no fault states, which means that your insurance company will pay for your damages regardless of whose fault it is. In some cases, those damages will only cover your car and other property damage. However, depending on the laws of your state and the terms of your insurance policy, if you suffer a permanent injury, your insurance company may pay some of your medical costs. This may not apply in your situation, if you were negligent in driving home when you were tired and thus contributed to or caused the accident by your negligence. Because of the severity of your injuries, you should speak with a personal injury attorney who specializes in car accident injury before speaking to or settling with your insurance company. Your interests and the interests of your insurer may not be aligned under these circumstances, so it is advisable to hire your own personal injury attorney to protect your rights.
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Posted by Christy Rakoczy on 29 Jan 2010
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