Over the course of your driving life, the chances are that you will have a vehicle accident. Every year, 55 million Americans have them. They happen everywhere people drive. So you need to be realistic and be as prepared as possible for when that day comes. That is what this article is all about.
Navigating the settlement process can be complicated
The car accident settlement process is quite a complex one. It can take a while to sort everything out. In the case of an accident where someone has been seriously hurt or killed it will take years to complete the legal process. Gathering evidence, establishing blame, assessing the long-term impact of injuries and determining compensation are all time-consuming.
Most people realize this and are ready to deal with that situation on a mental level. They find it frustrating but are still mentally prepared to deal with this long-drawn-out process.
Your insurance company may not be able to deal with everything
What surprises many people are the costs involved in dealing with everything. An awful lot of people simply assume that their insurance company covers all of the costs that arise after an accident.
They believe that all they need to do is to supply them with the details of the crash. In many cases, they are right. If the accident is a minor one that is exactly what happens.
Even if it is more serious, provided you have adequate coverage, this can still happen. For example, if an accident leads to someone breaking a leg, which heals OK things should be quite simple. The cost of their treatment and the fact they are not likely to suffer any long-term health issues means that your insurance company likely will cover everything. That means paying their medical bills, their compensation and any legal costs.
You may need to hire a specialist accident lawyer
If however, those bills add up to more than the coverage you bought, the situation is different. In that situation, you will likely need to hire your own specialist accident lawyer.
Here is why. Let’s say the cost of the compensation, a medical bill etc is $160,000 and you have coverage for $110,000. What will usually happen is that your insurance company will agree with the person who was injured to pay the $110,000. But, in that situation, the case will not be marked as settled. This means that the injured party is now very likely to pursue you for the rest of that compensation.
To do that they will need to go through the courts, which means you will need to hire a car accident lawyer to defend you. In that situation, it is very important to find and hire a good one.
What to look for in a vehicle accident lawyer
You need to hire someone who has plenty of experience. They also need to understand the laws in the state in which the accident happens.
It is also important to find a lawyer who is accessible, prepared to answer your questions. They must also be someone you can communicate with easily. This article will help you to engage the right lawyer.