Who should pay for my medical expenses?
Depending on the state in which the accident occurred, and the fault of the injured person, either the liable party (if not you) or your insurance company should cover your medical bills. In no-fault states, medical bills are generally covered by your own insurance company regardless of fault. In "fault" states, the at-fault driver (or rather their insurance company) must cover all medical expenses.
Who pays for the property damage to my car?
In either fault, or no-fault states, car damage is almost always covered by the insurance of the at-fault driver. Now, there are cases where the at-fault driver may not have insurance, and then it becomes more difficult. If you have uninsured/underinsured motorist coverage, your own insurance should cover the losses. If you do not have this coverage, you may find yourself in a difficult situation, and your best off discussing your case with an attorney.
Am I entitled to money for my pain and suffering?
You may be entitled to money for pain and suffering if you were injured and the injury affects your day-to-day life. This is something of which many people are unaware. Money for pain and suffering after a car accident caused by a negligent driver can often be many times more than all the other expenses combined. Talk to a car accident attorney about your case to find out just how much you may be legally entitled to.
Does it really make sense to talk to a lawyer for a car accident?
Yes and no. If it's a minor fender bender with no injuries involved, then you likely can handle it without a lawyer. However, accidents with injuries involved should be handled by an attorney. The complex arena of personal injury law is best handled by a professional, and those who take it on themselves will almost always be shorted from money to which they are legally entitled by an insurance company.
Should I accept a quick offer from an insurance adjuster?
No. Always take your time, and give yourself a few days or weeks to ensure any injuries will not return to bother you, or prove to be long-term. Many insurance adjusters will attempt to settle a claim early on, to avoid medical issues that may come up later. Never sign anything without "sleeping on it" at least for a few days. You may be surprised that the "minor" injury you sustained may come back to haunt you for a long time. If you sign a release of liability early on, the insurance company will no longer have to compensate you for all your pain and suffering.
